So, if my landlord stop paying his mortgage, what are my rights ? If I stop paying rent after he stop paying the mortgage, can he evict me ?
Your lease agreement is a contract between you and the landlord. Your landlord’s mortgage is a contract between him and the lender. Unless there is a clause in your contract that requires your landlord to pay his mortgage (I’m pretty sure there isn’t), these two contracts are independent of each other.
Yes, the owner can evict you, but why would he?
At the very least the owner will take your security deposit, and he could take you to the court. The fee to file the eviction lawsuit is on the order of $200. These lawsuits are common and they move forward quickly. You will get evicted anyway; the judge will make you responsible for paying back-rent, landlord’s legal fees (including the filing fee), and up to $600 as a penalty; and you’ll get an eviction recorded on your credit report, making you a persona non grata for all homeowner-landlords for the next seven years. If you’re still in the house five days after the judgment, the sheriff will come and physically remove you from the property.
