First, the loan is a contract. As long as one of the original borrowers lives in the home, pays the property taxes and pays the homeowners insurance, they can never be forced to move. Second, if any of the lenders go out of business, the government guarantees that the homeowner will receive whatever money is still due to them. Lastly, as you know, you are deferring the payment for the Reverse Mortgage until the future. The government guarantees that if you ever owe more than what the house is worth, the homeowner or their estate would not be responsible for the deficiency. This guarantee is unique to the Reverse Mortgage. Regular mortgages do not offer this same protection.