**The owner(s) retain title to the property that is the subject of the reverse mortgage until the person sells or transfers the property and is therefore responsible for paying property taxes, insurance, maintenance and related taxes. Failing to pay these amounts or failure to maintain the condition of your property may cause the reverse mortgage loan to become due immediately. A reverse mortgage is a complex loan secured by your home. Whether such mortgage makes sense for you depends on your financial situation and needs. For these reasons, we strongly recommend that you consult with a qualified independent housing counselor, family members and other trusted advisers before making this decision. This information is not from HUD or FHA and was not approved by HUD or any government agency. Disclosures and licensing: Scott Underwood 206339. SMG Mortgage State Licenses: AL 21843 / TN 128436 / Georgia Residential Mortgage Licensee 49711. "We refers to the domain name ReverseMortgageHuntsville, ReeverseMortgageGulfShores, all are Reverse Mortgage Alabama;. The Reverse Mortgage Division of SMG Mortgage.