Who will own them? We still owe 15 years on ours... will it even matter? We have a fixed rate conventional loan. Can we discuss some probabilities?
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They shouldn't be "deciding" ANYTHING unless you default on the payments. You are an owner and as long as you're making the payments there is nothing they can do. You did say you are on the title correct? If not.....not good. Well you can live there for a year until they foreclose. I did that once. You do have other options IF you are on the title.