Title and note

I am on the title of my mothers home and she passed away. She was the only one on the loan. I need to know if I can just continue making the payments on the note or do I have to somehow get on the note to continue payments.

The bank first and foremost just wants to be paid. You can continue making the payments on the current loan without issue.  If the bank choose to call the note due they probably could but I've never seen that happen when payments are made.

From a financing standpoint the longer you're on title & making the payments on the current loan the easier it's going to be to refinance the property.

My mother passed away a little over a year ago and I'm still making payments on the home so I understand completely what you're going through.