My mom died her mortgage is up to date, but still owes more then its woth,what happens2the house?

I lived with my mom at her house. She just died.She still owes about 50,000.00 more then the house is worth at this time. The mortgage is up to date. I continue to pay it, but what happens when they find out she has died. I have bad credit and no chance of being approved for a loan. What do companys do in this situation.