My SIL is in a long term care facility. She took out a reverse mortgage, without consulting any family members, on the home she was living in 10 years ago. The value of the home is equal to the balance owed on the reverse mortgage. Therefore there is no equity left in the home. The reverse mortgage allowed her to remain in her home for an additional 10 years, but she is physically unable to return. She has no additional funds to continue to support the home or pay the house insurance, so the house is vacant. Would anyone know the procedure of turning the house back over to the mortgage company? It's one of the companies which advertise continuously on television.