Sorry to inform you that you will not meet the age requirement and should find another solution.
Maybe your Mom's inheritance to you can pay it off.
i think you should meet with a social security disability attorney to make sure you can maximize your benefits that are availible.
The answer given does not imply that an attorney-client relationship has been established and your best course of action is to have legal representation in this matter.
Gather all information on your mother's reverse mortgage, including the current unpaid balance, and take it to an attorney experienced in estate planning and social security disability. Also, your mother should have a lawyer prepare a Will for her. There may be solutions to these multiple problems but they are not going to solve themselves. You are going to need some professional advice. Do not wait.
DISCLAIMER: This is not specific legal advice and does not establish an attorney/client relationship.