I would contact the mortgage company who refinanced the house without your consent; you may also want to speak to an attorney.
You need to sit down with someone who will take the time to go through your paperwork with you and help you get everything straightened out. You have a mortgage on your home. It has to be paid. If you are lucky, your husband also had insurance on the mortgage that will pay it off, when he died. I would start by talking to your lender to determine what your status is with them and finding out if there is any specific insurance to cover the mortgage. Next, I would talk to an attorney about the situation.
Good luck. Please let me know if I can help with anything. I care.
Confer with an attorney,
~ National Featured Realtor and Consultant, Lecturer regarding Credit Repair, Mortgage Loan Officer