A couple in California get married. Husband owns a business, wife has well paying job prior to the marriage. . Husband has a loan for business property to his mother. His payment history with her is sometimes 5 months between payments, then lump sum, but mostly every 30 days. Husband gets brain tumor and dies 11 months in to the marriage. Mortgage payments are in arrears 4 months on his date of death. The wife name was added to property prior to death. No trust or will. Wife has been making regular payments to lender (mother-in-law). Mother in law calls if she has not received payment the day after due date. Did the contract become modified when the lender accepted a deviated payment plan? Has the wife now created a contact with the lender because she has made payments?