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The simplest, most likely answer is that your heirs will be allowed to assume your loan and keep the home as long as they make the payments. But, as you'll see,
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Available Home Equity = $40,000. One loan at a time. Texas law does not permit more than one home equity loan to be issued for the same house at the same time. If you have an equity loan with an outstanding balance, you must pay off the entire amount or refinance it into a new home equity loan. This applies no matter how much equity your house.
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Fannie Mae and Freddie Mac buy mortgages from lenders and either hold these mortgages in their portfolios or package the loans into mortgage-backed.