When someone passes away and you get there house. Cant you just get a loan?

Say a mom passes away and wills the house to the son, but she had some past medical bills. This son has good credit and the house is worth far more than the bills are, The son could just go and hand the bills to the bank, get a first mortgage on the house,{because the house is paid in full}, and owe a small mortgagee of 150 a month right.,if not less because if he takes it out as a mortgage he can have 15 to 30 years to pay it off.