Unless you signed the note, you have no legal obligation to pay the mortgage. If your late husband had any assets that were not owned by both of you, then it is possible that his estate, if he has one, could be responsible.
You need to see an attorney who is knowledgable about foreclosure and bankruptcy. The potential issues depend on what your objective is. If you want to retain the property, under the recent revisions to the HAMP program, you may be able to, since it is being extended beyond the primary residence. Furthermore, if you want to force the issue of the mortgage servicer speaking to you, the most straightforward solution is to open an estate, if one has not been opened, and then they have no ability NOT to speak to you. Furthermore, under the Garn-St. Germain Act, many courts, including in Florida, are determining that the widow or widower of a deceased borrower does have certain rights regarding the loan, and you might be able to obtain what you are after via a Chapter 13 proceeding.
Please understand that none of the above may be worth doing in your case, because it completely depends on the economics of the situation as well as the legal issues. So, you need to get some solid legal and economic advice in order to figure it all out.
Please note that the above is not intended as legal advice, it is for educational purposes only. No attorney-client relationship is created or is intended to be created hereby. You should contact a local attorney to discuss and to obtain legal advice.
You are not obligated to pay a mortgage for which you did not sign the note. You should consult with an attorney to discuss this situation in depth.
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You are not obligated to pay the mortgage. However nonpayment will result in the Bank foreclosing on the property. If there is sufficient equity in the property (fair market value minus loan balance), or there are other assets that need to be re-titled, you should consider speaking with an attorney to discuss your rights in the administration of your husband's estate. Once you have Court appointment as Personal Representative, the Bank will begin discussions with you about the loan.
Answers to questions on this site are not intended to be specific legal advice nor create an attorney-client relationship. Hiring an attorney is a very important process which requires a high degree of diligence as well as entering into an agreement regarding the services to be provided and the fees to be charged.