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There are several other buildings throughout the city which are in good areas the place the town lets the buildings rot. Giving them a historic designation did zero in making them practical. It just makes them costlier to restore. In case your wife’s title is just not on the mortgage, her credit is not going to be affected by the foreclosures. There is not going to be any out-of-pocket prices to you if your house goes by means of foreclosures, aside from transfer-out costs.