<prompt> Human: My father helped me purchase a house by putting a lot of money down. He called it a pre-inheritance. My name is not on the mortgage, but I give that money to my father to pay the monthly bill. I pay the other bills, utilities, etc. When we closed on the house my name was put on the title. So, Im on the title but not the mortgage. If my parents were to unexpectedly pass away how would the situation unfold? I have the means to continue paying the mortgage, but purchasing the home from the bank could be tough to afford. Any information, advice, or suggestions on how to manage this would be appreciated.  <response>: Its actually not that complicated, since you would qualify as a Successor-In-Interest. All you would have to do is call the mortgage company and claim to be an SII. They will send you paperwork to complete and request a few items from you to prove who you are and the death of your parents. The only complications could be when if you had siblings or someone else with interest in the property. However, I would recommend you to re-finance. 