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I am on the deed/title but not on note only mortgage. I did not open any administration, continued to pay the mortgage on time and the bank acknowledges that I have an interest in the home. I want to sell do I need to open an administration as I am prohibited by costs. I was told by Lee County Clerk I could go ahead and submit the death certificate and deed/title with new deed/title for recording to put my name on property solely. This is only property jointly owned and it has a mortgage of $145K and the house is worth $325K. I am on homestead with county. My late husband owned nothing else and we have 2 grown sons.