How can a parent take over a mortgage after a spouse dies? | NC

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Q: How can my parent take over a mortgage after a spouse dies if the mortgage is still only in the deceased spouse's name? A: Usually, your parent does not need to formally assume the mortgage like a new buyer would. The bigger issue is showing the loan servicer that the spouse has died, that your parent has an ownership interest in the home, and that your parent has the right to communicate…