Some mortgage servicers are pressuring heirs to refinance inherited homes, despite a federal law allowing them to assume existing low-interest mortgages. This can double monthly payments. Complaints include denied access, repeated document requests, and delays, risking foreclosure. The Garn-St. Germain Act protects heirs, but servicers often stall or demand refinancing. Consumers should provide requested documents, keep payment records, and may need legal help to enforce their rights.