Very sorry about your loss.
As my colleagues have pointed out below, you will want to contact an attorney to confirm all of your paperwork is in order, you will need a copy of the death certificate and the will or deed showing you are the current owner to begin discussions with the bank.
It may also benefit you to consult an appraiser and/or other real estate professional to establish fair market value on the property before you assume liability of the mortgage. As you may know many homeowners find themselves owning more on their homes than the property is worth.
If this is your situation, it may not be in your best financial interest to assume the loan without negotiating a loan modification with the current lender first.
All major banks have departments that handle these special circumstances. They will be very eager to address this situation and help you either assume the loan, modify, or short sale if you so choose.
I'd guess you have a heavy heart and a lot on your mind, there are many capable professionals who have consulted and experienced this situation. Take your time and make the best decision for you.
I would also note that you may continue making payments on the loan regardless of who's name shows on the loan statement.
Best of luck,
Allan S. Glass
ASG Real Estate Inc. Â®
149 S. Barrington Ave, Suite #660
Los Angeles . CA 90049
Direct: 213.973.8637 (213.97.FUNDS)
CA License: 01154002
Visit Allanâ€™s Blog: http://allanglass.featuredblog.com