Sounds like an interesting situation, and you may need to consult a local real estate attorney for specific legal advice. First thought is that the home’s ownership SHOULD be transferred to your deceased seller’s heirs at some point, but even if it hasn’t already, his estate owns it, and if his daughter is the executor, you should probably be paying her the mortgage payment. You didn’t say why you transferred title to your dad, but that is really secondary to the loan as you signed for it, not your dad. If the payment is not made, regardless of who is on title, you risk being foreclosed on and losing the home. I’d strongly recommend taking all your documents and any emails or other oommunication from the seller’s estate/daughter to a local attorney for a consultation. You stand to lose far more than the small cost of a short meeting if this situation is not handled correctly. Hope that helps, thanks, Ted
There should be some record of the owner’s death and the transfer of the property into his estate along with a statement of the executor that was recorded on the property. I would recommend starting there.
Then contact the executor and find out where the payment should be sent. At this point, you should either have a real estate attorney or a title company prepare the closing papers that will officially transfer the title into you or your father’s name. They will make sure that all the property documentation is filed.