In most cases depending on the state of the home, the spouse is entitled to the dead spouses estate. If there is not will specifying you as the beneficiary of the home, the assets including the home will get divided according to your state's laws amounts children if any.
Some states have a Dower Right, meaning the widow has interest in any and all real property the husband owned during his lifetime.
Seek proper legal counsel and also see your bank who have specialists to handle situations such as this.
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