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Once the loan is closed, the terms remain the same throughout the life of the loan, regardless of who passes first. The new loan would also have a new appraisal and new closing costs so the borrower and the lender would have to be sure that the costs to obtain the loan made such a loan worthwhile in the first place. You both need to realize that if your husband is living in the home, you too can live in the home and there are no payments due under the reverse mortgage.

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No doubt about it — thinking of an ex-spouse can be emotional. And, if your finances have changed for the worse since the breakup, even more emotions can surface. If you are age 62, unmarried, and divorced from someone entitled to Social Security retirement or disability benefits, you may be eligible to receive benefits based on his or her record. There are other rules, of course.

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