A mortgage generally does not disappear when the borrower dies. The loan remains secured by the property, and the estate, surviving owner, or recipient must address payments, sale, assumption, refinancing, or foreclosure risk. The practical answer to mortgage after death Ohio depends on the governing documents, the way each asset is titled, the family relationships, and what has already been filed. Probate decisions should be based on verified records rather than assumptions about what the deceased person probably intended. Probate real estate involves both estate law and title law. The fiduciary must identify how the deed is held, protect the property, determine whether a transfer or sale is authorized, address…