Does the life estate person or the remainder men in a life estate pay for the mortgage that is on home deed only in person who died name but mtg is in both person who died and his wifes name?

Look to the instrument that created the interests. If the instrument is silent on this point, in most cases, the decedent's wife is obligated since her name is on the mortgage. Option: If this is not desired, someone else (life estate tenant or remainderman) may refinance and pay off first mortgage.