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The Ultimate Truth about Housing Affordability Habitat is looking to improve housing affordability by influencing policy and system changes at all levels, starting with the local level. At the kick-off event in City Space, some community members.New rule may make it tougher to get reverse mortgage The new rules are meant to prevent loan defaults, but they will make it much more difficult to get a reverse mortgage. A reverse mortgage allows a homeowner who is at least 62 years old to use the equity in his or her home to obtain a loan that does not have to be repaid until the homeowner moves, sells, or dies.