Are you sure she isn't also on the mortgage? Are they going to address this:

"and the home is now part of her husband's estate. The title is under the surviving spouse's name but not the mortgage form"

She is at risk of the mortgage being "called" if this really is a split in the property secured by that debt. That would be a sad surprise.

Or, she is a co-signer and they simply need to change to her info now.