Legal Question in Real Estate Law in Pennsylvania

Is your name on the deed or is the house only in your father's name? Having him sign a modification (if the lender will even agree to one), it would have vie to be in his own name. It sounds a little collusive/fraudulent for hi to sign "for" you.

If you want to keep the property, it may be better for you (or you and your father, if your name is not on the deed) to talk to the bank about your taking sole title and refinancing the mortgage so that everything is in your name. If you co-signed, it was probably because your father's credit was not sufficient for the lender to rely on it, so they would have been looking at your credit.

If the mortgage is already in foreclosure, you'll have to move on this quickly. The lender's legal and other expenses are already piling up, and they become part of the mortgage debt.

THIS RESPONSE IS NOT LEGAL ADVICE, SINCE I DO NOT HAVE ALL OF THE INFORMATION THAT WOULD BE REQUIRED, AND I DO NOT HAVE A REPRESENTATION AGREEMENT WITH YOU.

* If the answers to your question confirm that you have a valid issue or worthwhile claim, your next step should almost always be to establish a dialog with a lawyer who can provide specific advice to you. Contact a lawyer in your county or township.

* Another reason for contacting a lawyer is that it is often impossible to give a good answer in the Internet Q&A format without having more information. The unique circumstances of your situation and things that you may not have thought to mention in your question may completely change the answer. If you want to be sure that you have a complete answer to your question and an understanding of what that answer means, establish a connection with a lawyer who practices in the area of your concern.