There couldn't be anything further from the truth.  Being at least 62 is definitely one of the main requirements for an FHA insured Reverse Mortgage, but that alone does not mean that you should do a Reverse Mortgage.  There are many other questions that must be addressed including how long you plan on staying in the home, do the benefits outweigh the costs, and probably most importantly, is there a need?  These are all things that you should talk with your spouse and family members about before deciding if the Reverse Mortgage is a smart decision for your particular scenario.  We always explain to our clients this way:  "The Reverse Mortgage can be the best loan for the right person, or the worst loan for the wrong person."  For more information, visit us at www.Reverse-Mortgage-Maryland.com.