What is the minimum age requirement for a HECM reverse mortgage, and what happens if one spouse is under that age?

The primary borrower must be 62+ but the spouse's age is irrelevant The youngest borrower must be 62+; a spouse under 62 can be a non-borrowing spouse who may stay in the home but does not receive loan proceeds Both spouses must be 65+; younger spouse is excluded Both spouses must be 62+; a younger spouse disqualifies the couple entirely