Deceased Mother In Law House

[John Warner]

My wife and had been living at my mother in laws for 7 years. She passed away abd wants my wife to have the house. We are still living in it and my wife is working with probate to become the executer of the estate through probate since there is no WILL. The problem is, she still has a mortgage on the house and we want to either assume or get a mortgage of our own. What are the legal ramifications of us living here? We are in Ohio.