The call usually comes first. Then the mail starts arriving. A mortgage statement shows up at your parent's condo in Aventura, or a single-family house in Pembroke Pines, and suddenly grief turns into logistics. If you're dealing with what happens if you inherit a house with a mortgage, the first point to understand is simple. The loan usually doesn't disappear when the owner dies. The house can still be kept, sold, or surrendered, but someone has to make decisions quickly, especially in Miami-Dade and Broward where vacant-property…