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If you're brand new, start with How It Works. If you already know the basics, jump to Costs & Fees or the calculator.

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We refresh hub pages quarterly and after any major HUD or FHA program changes.

The headline rule is age 62, but eligibility goes deeper. Here's what actually determines whether you qualify.

Who has to meet the age threshold, and how it affects your principal limit.

Proprietary jumbo programs that lower the age floor below 62.

Options available before the HECM age cutoff.

How the financial assessment treats past credit issues.

FHA-approved versus single-unit approval — what works.

Manufactured home eligibility — the rules are stricter than you might expect.

What the lender reviews to confirm you can keep up with taxes and insurance.

How the eligible non-borrowing spouse rules protect a younger partner.

How a reverse mortgage works when you still owe on your current loan.

If you're brand new, start with How It Works. If you already know the basics, jump to Costs & Fees or the calculator.

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