The family house has been on the market for approx 9 months (since my mom passed). There are no buyers coming even close to the amount that they owe the bank on the reverse mortgage. The reverse mort co. will begin foreclosure in 4 months at which time I have to relocate. Are there any options for the heirs to the estate in this situation besides coming up with the money for the loan? Does HUD offer any resolutions? Are there any govt programs to help the caregiver who has lived in the house caring for their parent for the past 5 years? I am quite desperate and due to the caregiving I am attempting to find work. I have no savings set aside.