Unless wife was added to the promissory note, she has no obligation to pay the mortgage. The husband's property should go through probate; creditors should be paid. "The business and property may have to be sold. Please consult an estate administration attorney re the opening of a probate estate and about the contract issues. As a widow, you have rights - and priority to be the executrix of your husband's estate.
1) "Did the contract become modified when the lender accepted a deviated payment plan?" No.
2) "Has the wife now created a contact with the lender because she has made payments?" No.
The widow would be very wise to retain probate counsel.
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