How Safe Is The reverse Mortgage? The Borrowers retain ownership and remain on the title as owners Never does any remaining debt pass to the heirs or the estate The debt is always limited to the lesser of the loan balance or the home value Loans are strictly regulated by Government, and monitored by industry Associations Borrowers or the heirs can pay off the reverse mortgage and keep the home If the home is sold, all proceeds after mortgage payoff go the the borrowers or heirs