I have a loan agreement attached to a second mortgage in New Jersey. My brother the borrower lived in Florida and has passed away . His Florida home is being sold by his heirs . Is there a time limit on petitioning monies to the estate? Or is my only hope to wait until the house in NJ which is not being sold. Heirs are trying to obtain it in a short sale from the first mortgagor? How do I collect from the proceeds of the Florida home?I have had conversation with the heirs and verbally spoke about the remainder amount i am owed as my brother was sending a very small monthly check and his heirs have continued with the same amount each month. Is a verbal statement acceptable in estate settlements? Does that qualify me as a requested lender to his estate?