I was correct that normally the remaindermen are responsible for the mortgage payments. The exception is when the person holding the life estate is also on the mortgage. Here is the Florida law. I am not an attorney so I hope Aaron will explain exactly what this means in layman's terms.

"Appellee, in support of the lower court's finding that the children as owners of the remainder interest are responsible for that part of the payments on the note which constitute principal, cites Snow v. Arnold, 132 Fla. 435, 181 So. 7, Williams v. Williams, Fla.App.1960, 120 So.2d 202, and Wagner v. Mosely, Fla.App.1958, 104 So.2d 86, as controlling. While we are in accord with the principles expounded in these cases, we find that they do not govern the instant situation. In those cases the courts found that the life tenant was to be responsible for interest payments and the remaindermen for principal payments when land was acquired subject to an outstanding indebtedness. The fact which [*356] distinguishes the present situation from those cases is that the appellee, life tenant, is primarily liable on the indebtedness notwithstanding that she is only an accommodation [**9] co-maker on the note. Accordingly, she is responsible to the Federal for the entire indebtedness. However, since the appellee had only undertaken the obligation as an accommodation to the deceased she should have recourse over against his estate for the debt as she pays it. While appellee cannot recover from the estate since it has long been closed for the filing of creditor claims, she as surety has the right to be subrogated to the rights of the Federal provided the entire debt is paid. n3 Federal Bank of Columbia v. Godwin, 107 Fla. 537, 136 So. 513,; Lasseter v. Long, 85 Fla. 439, 96 So. 841. "