My mother passed away and my sister and I still live in the house. Should we put the mortgage in our names?

We are both 18 and 19. We want to build credit and we have a little bit of money but I'm afraid if we do that it will backfire and our credit will go down the drain and we won't have a house.
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No, your mothers estate needs to go through probate first. The odds are she had insurance which will pay off the house.
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In the old days, the mortgage companies tried to force you to switch the loan to your names or to pay off the loan. If you were rejected for the transfer, your only option was to sell immediately.
The laws in most states have been changed to protect you. The bank must accept your payments. So it is usually best to leave the loan untouched. Just make sure you pay on time.
If the interest rate is above 6%, go ahead and call the lender and say that you would like to refinance the house. You can have a loan in your names for apx 5%.
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No. First of all the will needs to be probated. If no will someone will need to petition to become administrator. As far as the house goes, the executor or administrator needs to see if the loan is assumable or if you need to refinance the home into your names. Also, that person needs to assess the financial stability of the estate. The home may have to be sold. There are many factors.
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if there is a mortgage which means the house is not paid for, you would have to buy the house from the estate, if it is paid for it would/should have been left to you in your moms will, sorry for your loss, I would seek the advice of an attorney