who is resposible for mortage?

If the stepmother is still alive, she is .

Stepmother is responsible to pay the mortgage now if she was a coborrower on the loan. However, if she doesn't make the payments, the bank can foreclose on her, even if you have 1/4 ownership. If you are having trouble with this, you may want to consult an attorney for more information. Christina Murphy, Oglethorpe Mortgage, 678.493.3366

turner- You are asking a legal question. - In California anyone licensed by CA DRE cannot provide legal advice. - I believe the same applies for Ga. - Christina Murphy provided excellent advice (TU). - I suggest you follower her advice. - Best wishes- Rudi

I'm terribly sorry about your Dad. To answer your question, it is usually the person or persons who signed the note with the bank. Keep in mind that the note is secured by a lien against the property. If no one pays the mortgage, then the bank will foreclose and everyone will lose, including you. In most situations, The heirs of the deceased become responsible for their share of the note, but there are options available. As an example, if the home is worth $100,000 and the note balance is $50,000, you would be responsible for 1/4th of the payment on the note, to preserve your 1/4th of the value of the home. If your Step-Mom is living there and you are not, you are entitled to some compensation for her "renting" your home. In many cases like this, the surviving spouse continues to make all of the payment while they are living there in lieu of paying rent. To protect you interest in the home, make sure the necessary steps are taken to have the title changed to reflect your new ownership. Hope this helps. Bert Carpenter ~ The LoansA2z Team of Nova Home Loans. www.LoansA2z.com NMLS 40586