Common Myths And Misunderstandings... The Lender Acquires My Home - No, The owners retain ownership, and remain on the title. The Reverse Mortgage is a lien on the home, as is any other mortgage.   I Can Be Forced To Vacate My Home - Not true. The homeowner can stay on as long as they wish, while occupying the home as primary residence.   I Might Owe More Than The Value Of The Home - Never. The loan balance is limited to an amount never to exceed the value of the home at any point, without exception!