All reverse mortgage loans that we offer are non-recourse, meaning you can never owe more than the value of your home. The non-recourse feature is a powerful benefit of reverse mortgages. It makes it so that homeowners are not responsible for debt that accrues beyond the value of the home. This feature makes it so that you will never leave your heirs with a bill. If the heirs choose to sell the home (after a maturity event, such as the last surviving spouse passing away), the accrued debt will need to be paid off and the proceeds go to the heirs. If there is no equity remaining, the heirs are not responsible for the loss.