Depending on the type of reverse mortgage you have, when your loan becomes due and payable, you or your heirs will have the option to request extensions to allow for additional time to satisfy the reverse mortgage repayment. More information is outlined in our Guide for Heirs. You can also call our Servicing department at (866) 654-0020 to notify us of the situation. One of our trained customer care representatives can help you through the process and explain your options in more detail.