You can refinance any government loans and conventional loans if you want to take off a borrower. However, you need to go through the whole mortgage process. VA HOME LOANS and FHA LOANS have FHA & VA STREAMLINE REFINANCE LOANS where the process is streamlined where no appraisal, imcome, or credit is required. However, all parties in the original loan needs to be on the new streamline refinance loan. With the death of your partner, you do not have to refinance. You can just assume the mortgage. If the title was under joint tenants in common with rights of survivorship, then you will have 100% ownership.
Gustan Cho NMLS 873293
USA MORTGAGE NMLS 227262A
A Division of DAS ACQUISITION COMPANY NMLS 227262A
The Gustan Cho Team at USA MORTGAGE