<prompt> Human: Background info. Single guy 37 earning 90kyr. My mom passed away in Jan. I lived with her and continue to live in the house and own 13 of it with my 2 brothers. We will be selling it sometime soon it is in rough cosmetic shape and wont sell quickly nor easily. Anyways we liquidated all her assets and have the mortgage down to 10k. I continue to make monthly payments. I have not informed Bank of America she is deceased. I am probably going to have to buy a house for myself 250k and get a mortgage. I have 2 dogs, otherwise given the turmoil and taxes in Illinois I really feel uncomfortable even owning a small home. Moving out of state and getting an equivalent well paying job in my profession is a near impossibility so I am stuck here. I have good credit 803 but no history of installment loans. I ran into trouble last time I bought a car, even though I had good credit, I had no history of installment loans so I kept getting denied and rates that were awful and wound up paying cash for the car. Should I and is there a way to assume the mortgage and get that installment loan history to improve my credit?Finally, I intend to use my share of the house sale 100k to help pay for the new home but have 70k already for a down payment even without it. Obviously I need a place to move to before we close on the sale of this house. How, does this overlap work typically if I did need the sale of the old house to put down for the new one?  <response>: Most mortgages are not assumable if your name is not on the loan, you would usually have to refinance with bank. 