My mother is in a memory care facility on Medicaid since early Nov 2019. My father passed away 13 months ago. They had a home on a reverse mortgage sinice 2009 and it is completely underwater. I sent the amount owed and the current market value to Medicaid showing how underwater this home is. It is in default now. The lender says they will accept a Deed in Lieu of Foreclosure. The lender put a lock on the house and the homeowners insurance was cancelled.