<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40"><head><META HTTP-EQUIV="Content-Type" CONTENT="text/html; charset=us-ascii"><meta name=Generator content="Microsoft Word 14 (filtered medium)"><style><!--
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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal>Hello, Listmates –<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Anybody out there this holiday weekend? <o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Married couple owns a home as “husband and wife” on the deed, but mortgage is in wife’s name alone (she had the better credit). They want to know whether, if she dies, he can “just keep making payments” on the existing mortgage. That sounds doubtful to me, and I’d like to understand what will happen. If she dies, will notice have to go to the mortgage company as her creditor? Will the husband (as PR) have to pay off the mortgage using estate funds, or could he refinance it in his own name? <o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Thanks very much for your thoughts, and happy holiday. <o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Best,<o:p></o:p></p><p class=MsoNormal>Sharon<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>Sharon C. Rutberg<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>Attorney at Law<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>1718 NW 56<sup>th</sup> Street, Suite 304<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>Seattle, WA 98107<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>Website: <a href="http://www.sharonrutberglaw.com">www.sharonrutberglaw.com</a> <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>206-409-2604<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'><a href="mailto:email@sharonrutberglaw.com">email@sharonrutberglaw.com</a><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>Washington State Bar #47055<br>D.C. Bar #420576<br><br>NOTICES<br>The contents of this message and any attachments may be protected by the attorney-client privilege, work product doctrine, and/or other applicable protections. If you are not the intended recipient or have received this message in error, please notify the sender and promptly delete the message. Thank you for your assistance.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:16.2pt;background:white'><span style='font-size:9.0pt;font-family:"Verdana","sans-serif"'>IRS Circular 230 Disclaimer: To ensure compliance with requirements imposed by the IRS, we inform you that to the extent this communication contains advice relating to a Federal tax issue, it is not intended or written to be used, and it may not be used, for (i) the purpose of avoiding any penalties that may be imposed on you or any other person or entity under the Internal Revenue Code or (ii) promoting or marketing to another party any transaction or matter addressed herein.</span><span style='font-size:9.0pt;font-family:"Verdana","sans-serif"'><o:p></o:p></span></p><p class=MsoNormal><o:p> </o:p></p></div></body></html>