the reason the mortgage loan is still in your mother's estate's name is it is still her estate's mortgage loan. It would not technically be yours until you acquire your own mortgage loan. With that, you will then be required to provide a trust deed or mortgage (whichever your state and the bank use). As it is now, they hold a trust deed or mortgage from your mother. That way, if her loan is defaulted upon, they can foreclose. If they simply put the loan in your name without you providing a trust deed or mortgage, they would not have any security interest in the home.