You must be 62 or older to get a reverse mortgage. If you live in the home with your spouse, then ideally, you'd both be at least 62 years old. But you do have options if one spouse is younger. If you're the older spouse, then you can be the sole borrower of the reverse mortgage. In this case, though, your younger spouse could lose the home if you die first, or have to pay off the mortgage when you die to avoid selling the home to pay off the lender. Depending on the situation, your spouse might be able to keep living in the home after you die, but they would no longer receive the mortgage payments. Talk to your lender or Department of Housing and Urban Development counselor about your options if your spouse is under age 62.