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hi josh denver here consumer protection attorney back in the saddle shooting more content i want to continue the series on how banks to fraud homeowners consumers this is about success or an interest problem its when somebody dies and leaves a property subject to a mortgage and a loan to an heir under the law in every state because its federal the lender or the mortgage servicer has to recognize the fact that the new heir the new owner of the property has the legal right to assume the mortgage now banks meaning the investor and the mortgage servicer they absolutely hate this hate it hate it hate it hate it and in a way you kind of you kind of understand why they hate it because they give loans based on the creditworthiness of their evaluation at the time of the original borrower right but they dont know anything about this air the zero might not have any money might not have a job might not have any income might not be able to handle the gate handle the payments in which case the ba