Yes, homeowners keep full ownership and title when they take out a reverse mortgage.

  • You keep the title.
  • You keep ownership.
  • Your name stays on the deed.
  • The lender does not own the home.
  • The government does not own the home.
  • It is still your house.

    A reverse mortgage is simply a loan secured by the property, just like a regular mortgage, except you are not required to make monthly payments.

Ownership does not change.

If keeping control of your home matters to you, this is one of the most important facts to understand.