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Post being replied to

Does your mothers estate have enough money in it by dvpgm

to pay off the HELOC or has everything else already been liquidated?

That may be the easiest solution and then have the payments that your sister is making replenish the funds that were used to pay off the HELOC, however, I am a lender not an estate attorney so I am not even sure that is permissible.

It is tough to give a blanket answer because every bank will be different in how they handle the situation. Your bigger banks would likely handle the situation much differently than a community bank would.

As an aside - Has your sister been clear direction on the standard in which she has to maintain the house? I have seen instances similar to this where a house gets trashed and severely diminished the value due to deferred maintenance etc. I am not saying this is your sister but, if you haven't already it may be a good idea to set those expectations.