I was involved with a condo owner and attended the HOA meeting discussing the matter, the board had to authorize funds for the work.Next issue I'm aware of was a small community, mostly MHs but a few houses, the developer was forcing billings on rentals, this hit the newspaper here and TV, he was not licensed as a utility and fined.

Delinquent real estate taxes (taxes past due by more than 60 days) can also be included in the new loan amount, but if they are, an escrow account must be established, subject to applicable law or regulation;paying off any outstanding subordinate mortgage liens of any age;taking equity out of the subject property that may be used for any purpose;financing a short-term refinance mortgage loan that combines a first mortgage and a non-purchase-money subordinate mortgage into a new first mortgage or a refinance of the short-term refinance loan within six months.The article author may have been referring to the Delayed Financing Exception:Delayed Financing ExceptionBorrowers who purchased the subject property within the past six months (measured from the date on which the property was purchased to the disbursement date of the new mortgage loan) are eligible for a cash-out refinance if all of the following requirements are met. […]The new loan amount can be no more than the actual documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees, and points on the new mortgage loan (subject to the maximum LTV/CLTV/HCLTV ratios for the cash-out transaction based on the current appraised value).

Can this only happen if Full Authority is granted to the Deceased individual's Personal Representative?

Assuming the kids have documented authority to negotiate the estate, yes, I agree with Rick.

Every insurance policy will have a disclosure that the terms are contained in the contract, that no agent or others has the authority to change the terms made by the company.

PM me for the title/authors because I don't want to get banned for advertising or what not.But on a more personal note, I went through the same thing recently.First off: I was looking at properties in my home town, a mile from where I lived for 20 years and someplace I drive past daily so I know the area extremely well.

The only thing that might crop up is how many "hard" pulls of your credit report in the past, the only way that goes on your report is if you authorize the lender or company to pull your report. 

I am considering calling the authorities later this week if I don't get some definition of to what is going on.

AndrewPS: I have no financial affiliation or interest here - just wanted to make folks aware.WakeTech Community College " Creative Real Estate Investing Class" Classes Begin:February 11th, 2015 (Located at Sanderson High School)(cost is $95 for the six week course)Class meets from 6:30 to 9:30 every WednesdayThis is the A to Z real estate training course written and taught by local real estate investment authority Jim Morton.

Asking what your countrymen might do might give you ideas, if I were you I'd inquire at the taxing authority.