Real Estate Law
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If you are the sole heir, you would have to file a probate case and be named Administrator of her estate so that you could legally execute a release and satisfaction of mortgage form and file it with the local land records office to release and remove the mortgage lien.
Did wife have any assets located in NJ?
Ok, then you don't' have to file an "ancillary probate" in NJ... Once you are appointed as executor/PR of her estate in FL, you can just sign off on a "mortgage release" as executor/PR and then you mail it up to the local land records office where the property is located for recording. You would need to call them first to find out how much recording fees are so you can send that along with the release.
You need a copy of the currently recorded mortgage so you can get the recording information off of it to complete the release.
This is a link to a legal document company that sells mortgage releases you can use: NJ Mortgage Release
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It is a universal rule in property law across the United States that a mortgage can only be released with a "mortgage release" signed by someone with the authority to execute it, as owner or on their behalf, or a court order from a judge dissolving it. lt is not a NJ law concept, it is a US property law rule. The reason that customers are asked for their state is so that if there is something that is state specific, that information can be provided specifically based on their state.
But general property law concepts are uniform across the US.
However, you are under absolutely no obligation to accept or rely on my answer and are free to request a full refund and JustAnswer will happily provide it to you, no questions asked. You can then consult a NJ attorney who will relay the exact same information to you, albeit at a much steeper price.