Reverse mortgages are for primary residences only. Therefore, homeowners must certify that they still occupy the home on a yearly basis after closing on their reverse mortgage. You will receive the certification every year and are required to complete and return it. Please understand that this isn’t a violation of privacy. The lender is merely making certain that you still meet the requirements of the program. You will simply complete and return the form to the servicer. If you don’t return the form, the lender may follow up with phone calls and possibly a visit to the property.