What happens to your home, and your heirs, when a reverse mortgage comes due? Most people think the bank just "takes the house," but that couldn't be further from the truth. In this episode, Bruce Simmons (the "Reverse Mortgage Professor") breaks down the specific HUD rules that protect heirs, including the 95% Rule for keeping a home with no equity and the non-recourse protection that ensures no one ever owes a dime more than the house is worth. Whether you have $300k in equity or are "underwater," learn the 2x2 decision grid every heir needs to see.