mom passed away, home willed to me but she held the mortgage, which i have been paying what are my options if i have any

Her estate is entitled to continue to hold the mortgage. Obviously, you need to communicate with the Administrator or Executor of the estate to work out a plan to pay off the balance. Alternatively, you would be able to sell the property, pay off the mortgage and keep the remainder. Gerry Wendrovsky, Esq.- Upper West Side Lawyerwww.upperwestsidelawyer.com