Both husband and wife must be 62 or over. This is only true, of course, if the property is titled in both names, typically called a joint tenancy when between a husband and wife.There are reverse mortgage specialists on this site, and if they have another option, they will inform you. Good luck.
for both to be protected, both would need to be 62. If your wife is under 62 you could get the reverse on your own, but if you passed she would have to make a decision on what to do with the house. I would speak to someone and go over guidelines. I have done over 50 reverse mortgages. www.guidetomortgageplanning.com
If you are 62 years or older and have equity in your home, a reverse mortgage may be right for you. For additional information on http://www.reversemortgagelendersdirect.com/north-carolina-reverse-mortgage/ to contact a Reverse Mortgage specialist. They would be happy to meet with you at your convenience to explain the program and process and to review your needs.