So I am in the reverse situation from some of the posts that I have read.
My ex-husband and I divorced (obviously) and while the loan/mortgage is in his name, I got a Quit Claim Deed and in the Final Decree the house was left to me. I have been making all of the payments, life is good! Then, my ex defaulted on an external loan (maybe a tax lien) and so the mortgage company paid the external loan company and then put it into an escrow shortage which doubled my payments for the next 12 months.
I didn't realize this until I was 1 month behind (because I paid the original mortgage payment) so in an attempt to do damage control, I contacted the escrow department for an extension of the escrow account. They said because I was in default, they couldn't extend it!!!
So, now I am considering trying to get a loan mod on a house where the mortgage isn't even in my name.
Is this possible?