Legal Question in Real Estate Law in California

Not directly. If it is not paid by your estate, the lender will just foreclose on the property. So the bank may end up with the property instead of your kids, but your kids will not be personally responsible.

Mr. Roach is correct. When someone dies, their heirs don't become personally responsible for the decedent's debts. Instead, it is the estate that's responsible. If the estate has insufficient assets to pay all its liabilities, the heirs get nothing -- they inherit neither the assets nor the liabilities.