Your forebearance allowed you to avoid a foreclosure by paying less than required but at some time you have to pay it back, that's why your balance went up, the lender added the shortage on your payments to your balance. Based on your age you can qualify for a reverse mortgage, as long as your mortgage is no more than about 50% of the homes value. Also, you'll need your daughter to quit claim you back onto title, you need to own the house. But first, speak with a reverse mortgage lender in your area, contact AARP for a list or your local senior citizens advocates agency.