What happens if you make your final mortgage payment but the primary borrower on the mortgage is deceased?

What happens if you make your final mortgage payment but the primary borrower on the mortgage is deceased?
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Answer :

It is not a matter of who is on the note, it is who is on the deed. This would probably change according to state laws. The house might have needed to go into probate upon the holder of the deed’s death. In some states it just automatically goes to the spouse (in the absence of a will.)
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