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A reverse mortgage servicer's letter on a hall table in a Bay Area ranch house, beside a vase of dried flowers in soft daylight.
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Selling a Bay Area House With a Reverse Mortgage: The Heirs' Timeline

Heirs can sell a Bay Area house with a reverse mortgage, and escrow pays the loan from the sale. HUD gives the family about six months after the last borrower dies, with up to two 90-day extensions, so who signs and when matters from the first letter.

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