My ex step dad and his wife had a reverse morgage done with their house. She has passed away, and he is right behind her. They had no children together, she had no children at all, and he has no children except me and my sister. We were not adopted to him, but he raised us for several yrs while he was married to my mom. Do I have a right to live in the house now that he is passing soon. Does the government own it, how does that work?