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Tangled Titles

About Tangled Titles

A significant number of homeowners do not have a deed in their name, which puts them at risk of losing their home to a variety of threats. Tangled title situations can occur when homes are passed on from generation to generation without a will or without the filing of a probate petition. Sometimes, even when a homeowner passes away with a will, probate delays may drag on for a year or longer, keeping a home’s title unclear.

Tangled titles often go hand in hand with a variety of problems including keeping up with payments for the mortgage, property tax, or utilities, such as when the family had relied on the deceased’s income or where payment obligations are missed immediately prior to and after the homeowner’s death. The tangled title may prevent a successor homeowner from obtaining a mortgage modification, assuming a mortgage, or even obtaining information from the mortgage servicer. Property tax bills may skyrocket if the homestead exemption is removed and heirs are not able to obtain the exemption in their name. Other times, much-needed natural disaster assistance may be stymied without proof of ownership of the home.

 

 

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Articles & Reportsfree to the public

NCLC, Property Tax Foreclosures on Heirs' Property (Aug. 2023)

NCLC, Homeowner Tactics to Overcome Problems with Tangled Titles (Apr. 2023)

NCLC, Twelve Tips for Homeowners After Natural Disasters (Sept. 2021)

 

 

Videosfree to the public

Property Tax Foreclosures on Heirs Property: An Interview with Sarah Mancini, Andrea Bopp Stark, and Kristopher Smith (NCLC & LISC Sept. 2023)

Using Successor in Interest to Save the Family Home (Video) (NHRC's Leaders in Housing Counseling webinar 2021)

 

 

Key Weblinks—free to the public

Fannie Mae Servicing Guide

Freddie Mac Servicing Guide

FHA Servicing Guide

FEMA Individuals and Household Program

FEMA, How to Document Ownership and Occupancy for FEMA

Video on client stories and pro bono representation

Tangled Titles: Philadelphia Explores Heirs' Property Solutions to Boost Generation Wealth (Apr. 8, 2022) by David Slade, The Post and Courier

 

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Conference Archives—free to legal aid, NACA, and recent NCLC conference attendees

Mortgage Strategy Summit: Zombie Mortgages, Successors and Tangled Title, and Loss Mitigation/Homeowners Assistance Fund (CRLC 2022)

Can Estate Planning be Used to Help Preserve Economic Assets in Low-Income Communities? 

NCLC’s Mortgage Servicing and Loan Modifications § 2.11 (2022), Challenges for Successors in Interest

NCLC’s Mortgage Servicing and Mortgage Servicing and Loan Modifications § 3.10.4 (2022), Successors in Interest

African Americans Have Lost Untold Acres of Land Over the Last Century

Sample Successor Letter to Servicer

Historic Partition Law Reform: A Game Changer for Heirs’ Property Owners

Reforming Property Law to Address Devastating Land Loss

From Reconstruction to Deconstruction: Undermining Black Ownership, Political Independence, and Community through Partition Sales of Tenancy in Common Property

Forced Sale Risk: Class, Race, and the “Double Discount”

Sample NOE by Successor in Interest and Request to Confirm Successor Status

The Intersection of Decedent’s Estates and Consumer Law – A Practical Guide to Handling A Case When A Client Dies and Advising Heirs (PowerPoint)

The Intersection of Decedent’s Estates and Consumer Law – A Practical Guide to Handling A Case When A Client Dies and Advising Heirs (Outline)

Untangling Title: Saving the Home When Heir Property Issues are Involved (CRLC 2021)

Untangling Title: Saving the Home When Heir Property Issues are Involved (PowerPoint)

Uniform Partition of Heirs Property Act

Predatory Real Estate Investment via Partition

This New Tactic by Real Estate Investors Is Forcing Some from Their Homes

Heirship Deed Without Covenant Against Grantor's Acts

Heirship Affidavit, Deed Appendix

Successors in Interest and Absent Co-borrowers: Saving the Family Home After Death, Divorce, or DV (Mortgage Conference 2022)

Successors in Interest and Absent Co-borrowers: Saving the Family Home After Death, Divorce, or DV (PowerPoint)

 

Conference Videos

Successors in Interest and Absent Co-borrowers: Saving the Family Home After Death, Divorce, or DV (Video) (Mortgage Conference 2022)

Untangling Title: Saving the Home When Heir Property Issues are Involved (Video) (CRLC 2021)

 

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2023 summer mortgage conf

Related Conferences—restricted to those representing consumers

Consumer Rights Litigation Conference and Class Action Symposium

October 26-29 | Chicago

 

 

Related Treatises—requires subscription to treatise

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cover of NCLC's Mortgage Servicing and Loan Modifications

Mortgage Servicing and Loan Modifications (2023 Second Edition)

2.11 Challenges for Successors in Interest

3.2.3 RESPA Applicability to Successors in Interest

3.3.4.3 Limited Request for Information by a Potential Successor in Interest

3.6 Force-Placed Insurance

3.10.4 Successors in Interest

4.8 Garn-St Germain Act—Limitations on Due-On-Sale Clauses

4.8.2 Successors Have the Right to Obtain Loan Information

4.8.3 Successors Have the Right to Stay and Pay

4.8.4 Successors Have the Right to Assume the Loan

4.8.5.Successors Have the Right to Cure a Mortgage Default in Bankruptcy

6.3.5 Mortgage Assumption

12.1 Representing Clients in Natural Disaster Areas

E.2.8 Limited Request for Information from Successor in Interest

E.2.10 Notice of Error by Successor in Interest and Request to Confirm Successor Status

 

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cover image of NCLC's Home Foreclosures

Home Foreclosures (2023 Second Edition)

5.10 Due on Sale Clauses

15.3.3.3 Reverse Mortgage Maturity, Non-Borrowing Spouses

16.3.3.2.9 Grounds for Challenging Tax Sales, Avoidance in Bankruptcy

16.4 Redemption Following Tax Sale

 

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cover of the print edition of Access to Utility Service

Access to Utility Service

2.2.3 Denial of Service Based on Third Party’s Outstanding Debt to Utility