I have talked to the modification company. The company is Ocwen. they are offering me a new modification of the mortgage. I have about 2 weeks to send them the documents necessary for me to become the borrower of the loan. The only phone number to call is in India. The person I talked to finally gave me advice on what I can do and that is to apply for my own modification/ They understand that I am not responsible for the original one. Every time I called the call center, I was only encouraged to may the payment. No one discussed or acknowledged that my husband has died. Late fees will be applied to his loan. My stress and attitude tells me not to pay on my husbands modification I do trust Ocwen but it seems have no other choice but to apply for my own modification. I have no idea of the amount of the loan and the interest. Is it possible the loan could be more? I also asked to stop the foreclosure. I was told that is the normal process after 79 days of no payment. I can only repeat to the person I talk to again, how can I keep my home. Your interest and suggestion are helpful, thank you. I cannot afford to pay both, my husbands loan and hire an attorney

You need to decide: 1) whether you want to stay in the home, regardless of the costs; 2) whether you can afford to stay in the home or whether it makes more sense to stop all payments for several months and save for another place; 3) if there is another alternative to keep the home. An attorney can help you with these decisions. I understand your financial position, though. It is hard to conduct a cost-benefit analysis without all of the facts.