Your husband will have up to 1 yr. to pay off the reverse mortgage. He will have no payments during this time period but may consider making payments toward the reverse mortgage to reduce interest charges if his goal is to remain in the home should you pass away before him. His options will be as follows: He can either refinance the reverse mortgage during this time. His age, loan balance, home value & interest rates will determine how much he qualifies for. He can sell the home and pay off the reverse mortgage. A better option might be to look into refinancing your reverse mortgage now while rates are low. We currently have a 5.56% fixed for life rate in most of the country. By refinancing your reverse mortgage now you can be assured there will be no issues should you pass before him. Also FHA Reverse Mortgage lending limits have been raised so this may allow you to access more proceeds through a reverse mortgage. Best Regards, Anthony