From the information you have provided, I can see that your father passed away with a Will. As that is the case, the house became an asset of his estate, which passes to the inheritors under Florida's intestancy laws.
In your father's circumstances, the house is classified as "separate property" because it was purchased prior to your father's marriage to his last wife. Thus, when it passed away, you and your siblings are entitled to the inherit the house, but your father's wife is entitled to a 1/3 life estate
. A 1/3 life estate means that she has the right to live in the house for the rest of her life or she has a financial interest in 1/3 of the value of the house reduced proportionally by her remaining life expectancy.
Further, you are responsible for payment of the mortgage after you take possession of the house. However, you are not bound by terms of the mortgage in connection with your credit.
So, in short, you are a necessary person to the lawsuit to foreclose on the mortgage for the lender to take the house because you are a record owner under the laws of intestancy of Florida. If you want to keep the house, then you and your siblings will need to pay the mortgage. If you choose not to pay the mortgage, the lender will get the house back and evict your father's wife. Then they will sale the house. If the house sales for more than was owed on the mortgage, then the extra proceeds will be divided between you and your siblings and your father's wife.
Please let me know if this answers your question.
Zachary D. Norris