close to house reposesion

[circeseye]

What is the name of your state (only U.S. law)? California

ok mom bought house for us. she passed away but left it to me in her will. only problem is i cant get the loan in my name so left it in hers. (as background) we've been here 6 years now. mortgage is 800ish a month

got behind 4 months of mortgage (just had a bad couple months). they sent me a notice about a month ago to catch up. paid 2 months so far and got a (to call hud notice) today. we will be caught up about 3rd week of next month.
well my main concern is the loan isnt in my name. it just got switched to a new company just at the time we had issues. and BofA didnt send any of the paperwork (like copies of the will) so they wont talk to me.
will they still repo the house even thou we will be caught up in a couple weeks?

yea a little paniced

 

[adjusterjack]

Nobody can predict whether or not the lender "will" foreclose.

However, if the lender does foreclose, there is a specific process that it must follow and your post is not clear whether you are at that point yet.

Read the following article about CA foreclosure:

https://www.foreclosure.com/statelaw_CA.html

Here's a link that lays out the timeline:

http://www.tdsf.com/documents/CA_Timeline.pdf

You will have to figure out what stage of the process you are in based on whatever notices you have received. I suggest you check the County Recorder for any notices that might have been recorded by the lender.

 

[FlyingRon]

Houses do not get "repossessed" (unless we're talking about mobile homes and in that case AJ's advice above isn't quite right). Houses get foreclosed as AJ explained. Once the foreclosure sale happens, the new owner will still have to evict you. That starts with a three-day notice to quit and then just how much longer it takes after that to force you out depends on what you do, but it could be as quick as ten days after that. Usually it's the lending bank who ends up with the property. Some banks will allow you to stay if you keep the house presentable, others may give you some cash if you leave promptly and in an orderly fashion.

Once the foreclosure action starts, there's no obligation for the bank to allow you to "catch up" though many will let you do so.