When a loved one dies in Mexico, the question of what happens to their home can add stress to an already hard time. Many mortgages include life insurance that can erase the remaining debt, but that protection is not automatic. It depends on the type of credit, how up-to-date the payments were, and how quickly the family notifies the lender. Understanding those rules before you make any payment can keep you from using your own savings to cover someone else’s loan.