Reverse Mortgage Refinance Probate Questions.

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These questions have probably been asked already,

Can an heir refinance to pay off the existing reverse mortgage? 

Since title isn't under their name wouldn't the home have to be under the heirs name to Refi? 

OR

IF they do or can transfer title (assuming it doesn't during probate or does it?), wouldn't it be impossible to do so because it would be subject to the Reverse Mortgage?

Would the only solution to this be qualifying for a regular conventional loan etc?? 

so  can they still refy from moms home? 

Property Value: 125k

Reversed owed: 47k 

Thanks again team BP