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With a reverse mortgage you will never have a mortgage payment as long as you live in the home. Because it is insured by the government, you will never owe more than the home is worth, and the property may be willed to your heirs.The heirs may refinance the home into their own names for 95% of the appraised value, or may sell the home and keep any proceeds after the reverse mortgage has been satisfied.

Source: Reverse Mortgage Part of Financial Planning | The Trust Advisor