Reverse Mortgage Solutions was forced to file a foreclosure complaint against Patricia Wilson after her husband died — despite a statute that was supposed to protect surviving spouses in her situation — because federal bureaucrats goofed by using the word “mortgagor” instead of the word “homeowner” when drafting a regulation governing reverse mortgages.Patricia Wilson’s husband, Walter Wilson Jr., signed up for a reverse mortgage on their residence in 2009. She didn’t qualify …