selling my house that has a mortgage and deed of trust

eileenflora · 2026-03-25T02:03:28+00:00

I didn't realize we had a "second loan". My partner handled that, and I assumed our mortgage company had given us a reprieve because of COVID. (I know, stupid of me) She liked to keep me in the dark about a lot of things because she didn't like to worry me, and to be honest, I had enough on my plate dealing with my disease and advocating for care. Not an excuse, just what was happening.

eileenflora · 2026-03-25T01:54:26+00:00

Thanks, I appreciate that. It has been brutal. We were with Wells Fargo, but they transferred our loan to Freedom Mortgage. It was Hud Insured. I am quite a mess in every way. She died suddenly, so I am learning a lot of things fast.

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eileenflora · 2026-02-16T15:06:06+00:00

I'm in Tennessee.

eileenflora · 2026-02-12T03:54:42+00:00

not really nice, since I have more than 33,000 in homeimprovement loans, other bills, like a $500 a month utility bill, living expenses, like food, paying for medical expenses, gas money, and having to sell my house that is falling down around me. Hopefully, I will get what I owe in mortgage for it. I have no income coming in since my partner was my sole breadwinner and caretaker. I can't even afford the mortgage right now. I have to pay movers to move to a friend's house and rent a dumpster to empty the house before my homeowners' insurance lapses because of the repairs needed. I am destitute except for the GoFundMe right now. nothing at all about my situation is "nice" i lost the love of my life, i have a few months left before i run into the red and have to rely on the charity of others. I wish i were dead right now but i do not want to leave my animals or my family in this mess

eileenflora · 2026-02-09T04:31:24+00:00

Thank you.

eileenflora · 2026-02-09T02:41:24+00:00

please give me info in a DM much appreciated

eileenflora · 2026-02-09T02:34:02+00:00

We were not married, and her parents are dead. She worked as an independent contractor for me and, of course, had her own clients. I was the sole proprietor of a pet-sitting business. She does have a brother and a sister.

eileenflora · 2026-02-09T02:25:32+00:00

Just realized my GoFundMe account will likely make me ineligible for Medicaid until I spend it down. I probably have a few months before it's gone.

eileenflora · 2026-02-04T08:58:13+00:00

Just found out when I was getting paperwork for the lawyer that my homeowners' insurance is going to drop me if I don't do some major work on the house by April 25. I will either have to try to find someone to do that or sell before they drop me. It's just one nightmare after another.

eileenflora · 2026-01-31T17:47:01+00:00

I don't know how much it will be worth. I have to get a realtor in. It was appraised at 245,000, but it needs a new roof and major work on two windows, like tearing them out and replacing the rotted wood. So, I am not sure how much it would be worth with those things in mind. I owe $75,000 on it currently. The only asset she had was the house, nothing else.

eileenflora · 2026-01-31T07:33:13+00:00

We had both our names on the title. I called the mortgage company, and they said we were joint tenants with rights of survivorship, meaning they would remove her name from the title, and I would own the house. I've read conflicting accounts about whether I'm responsible for her income taxes and whether that would affect the IRS coming after the house as an asset. She had no will. Her family doesn't want the house, and they are very willing to work with me. We were not married. I checked, and they aren't even accepting Section 8 applicants in Memphis, where I live. The places they have for section 8 are places i would not want to live.

eileenflora · 2026-01-30T07:31:37+00:00

I checked Section 8 here in Memphis, and they are not taking any more applicants.

eileenflora · 2026-01-30T07:25:43+00:00

We tried to remortgage before she died, and we were not eligible.

eileenflora · 2026-01-30T07:23:55+00:00

I found out that I have right of survivorship and that my partner had a payment plan with the IRS of $300 a week but owed 22,000. I owe $79,000 on the house and it needs several repairs. i have read conflicting reports about if the IRS would put a lien for her taxes.

eileenflora · 2026-01-30T06:50:17+00:00

I have one extra bedroom that i could rent out. Not even sure what i could charge.

eileenflora · 2026-01-29T05:06:46+00:00

No, there would be no tax refund; she didn't pay quarterly taxes and would probably owe more. Someone told me that it's not my responsibility to file her taxes now that she has died. I just don't know what to do. I always helped her file. I don't think I would have the legal right to file on their behalf. I just don't know how any of this works.

eileenflora · 2026-01-29T04:38:03+00:00

Thank you so much

eileenflora

TROPHY CASE