Most 30 year mortgages are paid off within 10 years; often using the proceeds of selling the house in question. The bank's plan is that they will sell the mort

Most 30 year mortgages are paid off within 10 years; often using the proceeds of selling the house in question. The bank's plan is that they will sell the mortgage before the paint drys; then they don't care what happens. Regardless, the expectation is that your mother will continue making payments until either she or her estate sell the house, at which point the full balance of the loan will be repayed without any early payment penalty.