You can give you niece a 30 or 60 day notice as soon as you have Letters Executory. That is probate has been opened, the order has been signed, and letters issued.
The reverse mortgage company wants there money. Is there enough equity to justify paying off the reverse mortgage? If not, you may want to let the reverse mortgage company foreclose or give them a deed in lieu of foreclosure. They may prefer to foreclose because it wipes out any liens junior to the reverse mortgage.
Take what you have to an attorney. An analysis by an attorney may help you decide whether probate is necessary.
When the person gives you money, the person has an attorney and the attorney has a client, but not until then. Inspired by words of Abraham Lincoln
You need to request an extension from the reverse lender and immediately file a 60 day notice to quit to evict the tenant irrespective if she is a relative. You need to be proactive to preserve the equity in the property. Get a great attorney and real estate broker such as Alvin Mullins that is experienced in these situations saving the estate a lot of money. best of luck.
If the mortgage is up to day, the mortgage company won't do anything and if they did it would be a foreclosure and not an eviction. Only the executor, with actual court ordered authority and possessing proper Letters of Administraiton, can take an action to evict her.
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