Do I need a real estate attorney?

A real estate attorney with experience in probate matters can handle this for you. Absent a co-signor, only your mother's estate is "responsible" for payment, but if the payments are stopped then the opportunity to sell and distribute the proceeds will be lost in a lender foreclosure or association eviction action. So, if there is equity in the property and provided the family can continue to keep things current, they should. If selling is unlikely, another option to consider is leasing, if allowed and the risks are fully evaluated. Upon sale, it may be possible to work through a title company to avoid probate, but that option should be considered now so that probate can be initiated if necessary. I would be pleased to consider this matter.