We have a loan that was a HELOC and a Mortgage with Future Advance Clause was used. Due to some hardships and the death of the husband, the customer had to payoff the HELOC and do a closed end 15 year Fixed Mtg. The Loan Officer pulled the HELOC Mortgage over from the previous file...is that acceptable since it has the Future Advance Clause in there? Shouldn't a new Mortgage without this clause as well as the husband's name removed have been done and recorded?

Thank you!