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It allows the mortgagee to evaluate the financial status and credit history of any remaining mortgagors, and, if appropriate, re-evaluate whether the remaining mortgagor can handle the obligations.
So if done properly, notice should have been given to the mortgagee at the time of the man's death.
When my sister died, I notified the mortgagee, sent a Death Certificate, and advised that I would be making payments as Trustee of her Trust until such time as the house was sold.
Unfortunately, the initial mortgagee (Republic) sold the mortgage to Countrywide, which created a nightmare of the whole situation, losing documents, denying receipt and I don't recall what other idiotic things.
It took several months just to get the dummies to figure out that my sister had died. (I was tempted to send them a photo of her gravestone!)
Now smaller mortgage group or one affiliated with local or community bank, might do & want to do. Like they look at the marriage license and her cancelled mortgage payments and do an “and/or” check for the long held escrow. If she was a banking customer at the bank, that could help in this. Banks have to do the CTR rules but imo have some degree of latitude in how they accept checks or allow big checks to be credited immediately or like in 50-25-25% increments rather than a must wait 10 full biz days. If it’s a within the bank move of $, I bet there’s a way.
I don’t know how it is for you, but here all lobbies are closed as of last month. To do anything that needs a “wet” (signature) or notary work, it has to be scheduled in advance and not simple. Most things are getting fed Ex’d or uspo certified done, mobile notarized. Seems to be if you can sit things out till midMay, try too. I’d hate to be trying to sell or buy a home right now atop everthing else.
Call the Mortgage company first.
Sack, because of this, please try to see if the mortgage co. will reissue the check so that’s it reads payable to: John Smith and/or Alice Jones Smith, with whatever address Alice has on her state drivers license for the check. The “and / or” part is important. This way she can sign it just with her signature. If you have their marriage certificate, that might help in getting this to happen.
As an aside on this, anyone who is applying for the Covid-19 PPP$ or EIDL 10k+ Grant / Loan program to get $ from SBA will have 8300 and CTRs done by the partnership bank & a matchup with IRS for tax status before any $ released. So there might be a wait to get IRS/CTR filed & clearance to get deposit over 10k funds out from a bank right now.