If you inherit your home from a decedent, totally different rules apply depending on the date of the decedent’s demise. If your old loan was a variable rate mortgage, you should use another methodology to discover out the credit score that you can have claimed. Under this method, you figure the credit utilizing a cost schedule of a hypothetical self-amortizing mortgage with degree payments projected to the ultimate maturity date of the old mortgage. The interest rate of the hypothetical mortgage is the annual proportion rate of the model new mortgage for purposes of the Federal Truth in Lending Act. …