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What will have to happen is that your surviving some will have to essentially purchase the house from the estate by getting a mortgage for the amount needed to redeem your late son's mortgage account less any lump sum paid towards it beforehand. The current lender can't just pass the mortgage account to your surviving son. He would have to take title to the house from the estate and take a mortgage out in his own name to repay the mortgage debt in your late son's name. It's not complicated but it will mean some conveyancing work and a mortgage application by your son.