Can a loan officer lock in a rate without client consent?
Normally the you should have say on when to lock your rate.Some brokers or bankers, once they lock cannot go back and give you a lower rate unless they have multiple investors to sale the loan to. I suggest going with a new lender. JustineAmerican Mortgage Group

I was told that the reverse mortgage loan amount only depends on age and property value?
Reverse mortgage qualification with FHA, is calculated with the value of the property and your age. Typically you need about 50% equity to qualify for the loan. How old are you and how much do you owe, and I can tell you if you qualify.