For the Home Equity Conversion Mortgage (HECM), if your spouse did not sign the loan papers, it is possible for them to remain living in the home after their spouse who signed the papers has passed away. The remaining spouse will not receive further money from the HECM mortgage, but can remain in the home as long as the spouse pays the property taxes, insurance, and maintains the property.
You can find answers to common questions on reverse mortgages in our Senior Caring resources.