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Do I have to qualify to keep paying an inherited mortgage?

Short answer

Generally not for relatives who inherit, if you keep up the payments. Refinancing into your name does require qualifying.

Rules differ by state. This is general information, not legal or professional advice.

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Official sources

CFPB: inheriting a home with a mortgageconsumerfinance.gov
HUD: reverse mortgages (HECM)hud.gov
IRS: inherited property and taxesirs.gov