Sorry this is causing you stress.
Do you have the mortgage documents? These may set out your obligations to inform the bank if one person dies. Your main issue it seems is whether you have to transfer the property into your name and hence whether you need to refinance. This is a matter for the bank.
The rest is practical not legal advice, and subject to your obligations to inform the bank.
I can't tell you what the bank will do, only the bank can. If you are worried, you could ring the bank anonymously, explain the circumstances and take it from there.
Here's what I did when my partner died. I just kept paying the mortgage until I wanted to sell the house many years later, by which time the mortgage had been paid out. It actually didn't occur to me to change anything into my name alone until I needed to, and the bank didn't worry about it.
If you have been paying for 7 years and continue to do so, unless there are arrears I am not sure that there is any reason for the bank to foreclose.
The reality is if you keep paying the mortgage, you all have a home, the bank gets their money, and the bank still has the security of the registered mortgage.
Bottom line - talk to the bank.