If your parents have passed and the property is in an irrevocable trust or probate, HCS Equity in Carmel, California has the right types of loans to pay off the reverse mortgage that is due and provide time to manage the property until a long-term conventional loan can be funded. HCS has been consistently ranked as the top lender in California for providing short-term loans to pay off reverse mortgages while properties are held by trusts or going through the probate process.