Can the mortgage company make me pay off the house?

Isa
My father passed away nine months ago. I have been paying the mortgage since he passed away, but don't think I can qualify to refinance the home in my name. The mortgage is not assumable. Can the bank make me sell the house? Can I just keep making the mortgage payment without taking the chace that the bank will just decide to take the house? What are my options?

Ronald
I assume, from your post, that your father left the house to you as an inheritance, and there is a mortgage against it. As Oregon Realtor stated, chances are slim that the bank or lender (unless it is a local smaller town bank) will do anything about the mortgage as long as the payments are made.HOWEVER, you may run into issues should you try to use the mortgage interest and tax payments as deductible tax expenses. If the mortgage is not in your name, you are not eligible to deduct the interest, even if you are paying it. Additionally, I assume that an estate settlement situation is coming shortly, and that may well trigger information to the bank concerning your father's demise.

Daria
You have to read the promissory note to know if the bank "could" require it. Many notes have a due on sale clause... which often includes a change in ownership even if there is no sale. I doubt seriously that your father's death would motivate them to take that action.If the note says they can, then your best options would either to be silent... in which case you may have to sell on short notice... or to visut with the lender, explain the circumstances and request an exception. If your payments have been timely, it's likely they will allow you to carry on.

Chau
The lender is not out doing searches for customers that have passed away. Unless your father had accounts at the same institution that the loan is at, it is unlikely you will be found out unless you start making late payments. If the lender does learn of his passing, they may call the mortgage due, but you have 30 days to pay up.