Kenneth R. Harney Kenharney@earthlink.net Washington Post Writers GroupWASHINGTON — Soon after Judy Stephens of Lafayette, La., lost her husband this past January, she got hit with more bad news, this time from the mortgage company. She needed to come up with $107,000 — the amount of principal, accrued interest and fees racked up by the reverse mortgage on the home she owned with her husband for the past 16 years — or face foreclosure. She didn’t have the money, nor could family members come up with the cash needed to buy the house.Read more on NewsOK.com