Reverse Mortgage Loans are insured by the federal government. 

The Federal Housing Administration (FHA) and the Department of Housing and Urban Development (HUD) insure that you will never owe more than the appraised value of your home.   They also insure that you are never required to make a mortgage payment as long as you live in your home, pay your taxes, and keep it insured ... guaranteed!  Also, you will always still own your own home.

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