You inherited a house. There's a mortgage on it. And somewhere between the funeral and the paperwork, someone told you that you have to refinance immediately or the bank will take the house. That's not true. Let's walk through what actually has to happen, and when refinancing is genuinely the right move versus when it isn't necessary at all. Do You Actually Have to Refinance? No — and this surprises most heirs. Federal law, specifically the Garn-St. Germain Act of 1982, prote

Probate in California is slow. We're talking 6 months on the fast end. Sometimes 2 to 3 years. And the whole time — property taxes are due. The mortgage still needs to be paid. Legal fees keep adding up. But you can't touch the assets yet. That's exactly the problem a probate loan solves. What is a probate loan? A probate loan is a short-term loan secured against real estate owned by an estate that's going through the probate process. Think of it as borrowing against an inher