If you are the executor of your mother's estate the attorney assisting you with the probate will prepare an "executor's deed" conveying the real estate from your mother's name via her estate to you as the beneficiary thereof. The real question becomes what happens if you contact the mortgage lender on the second mortgage. Generally mortgage companies will not simply allow someone to "assume" a mortgage, but rather, will require you to apply for a new loan to refinance the existing loan. All lenders are different as you can imagine so I don't want to speculate. If you don't have an attorney for your mother's estate, being named executor in the Will and being named to receive the real estate in the Will has no legal effect until the Will is admitted to probate and the judge issues appropriate orders. You must file a Will within a certain specified time period so be sure to contact an attorney ASAP. If you fail to get the Will to probate the property will pass under PA intestate law which could be significantly diff that as set forth in the Will.
Mr. Post is licensed to practice law in KS and MO. The response herein is not legal advice and does not create an attorney/ client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that if known could significantly change the reply unsuitable. Mr. Post strongly advises the questioner to confer with an attorney in their state in order to ensure proper advice is received.
Drafting the deed should be part of the probate services the attorney assisting with the estate will handle. If your handling it without an attorney, the estate, then I would suggest you contact the bank(s), consolidate the amounts owed on the house by refinancing the balance. The attorney handling the closing can complete the deed.