Jay: It would appear that you really need a financial advisor. You do not mention your age, which is certainly an issue if you are a senior. Regardless, there are all sorts of things you can do, from reverse mortgages to refinancing the remaining balance on the mortgage to renegotiating the existing contract. What you have the resources to do and what will be the most effective way to reorganize your life after your wife's death remains far too large a scope for this forum.
Some of my friend belong to an organization that was called "Life goes on." It may have had a name change but I know that they are still active. It's especially set up for widows and widowers, where they can meet for comfort, socialization and informal advice and references. I would hope you might find a similar group to see if they can help point you in the right direction. I'm at an age where several of my friends have, unfortunately, become candidates for such a group. Many of us find comfort in just getting together as senior singles, widowed or not.
This last is, (as I have been accused of and accused others of) off the point of the immediate question. I think that perhaps it might be the answer to a much bigger question that you have to answer in dealing with the loss of your spouse and the financial readjustments you must make, senior or not.
My very best regards to you