I have fallen behind with mortgage repayments< Can arrears be added to the

[life]

existing mortgage? My mum passed away two years ago, believing that our home was to be paid off from a certain insurer, unfortunatley that was not the case, I am a young lady of 19 and i really want to keep my home< i am in arrears at the moment but me and my partner want to pay the mortgage, so i just want to know if arrears can be added to the existing mortgage and i can start afresh! please help!

 

[estielmo]

You have to approach the lender. If you can afford the house they should be willing to structure extra payments to allow you to catch up. I don't think they'd want to just tack it on the end, but if you offer double payments (or something similar) until you are caught up I think they'd go for it. They don't want to foreclose any more than you do.

 

[Brandy T]

The mortgage company has the ability to add the amount that you are behind back into the mortgage, in a manner of speaking, it just depends on if they are willing. First, I would see why she was expecting the home to be paid off by this insurer, and then find out why it didn't happen. If they were suppose to pay it off, and didn't, you have a potential lawsuit on your hands.