I know a owner who just pasted away. His home is worth $110,000 in todays mortgage but he borrowed $190,000. The only heir is confused what to do. She is removing all his personal belongings. She said she will call the lender and let them know he passed. What happens to the home? Does the bank sell it as a Bank Owned property? Will the reverse mortgate lender have to go through probate court similar as if it was the heir?