mortgage loan when owner dies?

SOME lenders will allow you to assume if you qualify. You need to talk to the lender to see what you can do from here.

The loan must be paid in full out of the estate of the deceased. If you want to keep that house, you will have notify the lender and get a new mortgage in your own name based on your income and credit, as well as the value of the property, and pay off the old mortgage. Otherwise, the house must be sold, or other assets sold to pay off that mortgage.

My condolences for your loss.

If the house is pledged as collateral against this mortgage then you need to contact the bank and try to get the mortgage in your name. If you don't get this mortgage put into your name but continue to pay on it then you are not building up your credit history or credit score.

You need to find your own mortgage, pay off his. The lender will not allow you to assume his payments

You contact the bank.