In Connecticut both title holders must be on the note and mortgage in order for there to be no repercussions.. If only one of them is on both and dies his estate is required to pay the mortgage. Otherwise the bank will foreclose on his interest. The wife will be named as a defendant in the suit not because she is in default, but because her interest in the property needs to be brought to the attention of the court. When the court orders a foreclosure of the decedant's interest it will most likely order a partition of the property or a sale of the property. The wife would get a portion of the sale price commensurate to  the interest she holds in the property. This is most likely the scenario if she holds title in tenancy in common without right of survivorship.

If she did not hold any title to the property she would get nothing. . If she held title by joint tenancy with right of survivor ship she would take title to the decedant's share, but would take title to it subject to the mortgage. If she was named on both the note and mortgage probably there would be no consequences.