Q: My mother has passed her house still has a mortgage. Is that considered part of her estate
A: If Mother was the titled owner, and no Will is Probated with a Devise of it, the real property is owned by her Heirs at her death. It, the property only, is subject to the Mortgage Lien. Taxes and Insurance still have to be also paid, or the Heirs will lose it. Hire a competent SC to determine Heirship, and possibly record an Affidavit of Heirship.
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