Has Anyone Heard Of The Forgive and Forget Program
A Google search reveals nothing about this. And one would think that if it were legitimate there would be all sorts of references to it, along with many many companies marketing it....Absolutely require any lender who offers financing through a "Federal Program" to point you to a government...

How much equity is needed for reverse mortgage?
You can use this online calculator (use the link is at the HUD website) to get an idea of the maximum loan size for your situation, and some explanation of the possibilities. Then reduce the loan size by the amount owed on the property to determine how much lump sum cash you could get:http://www.hud...

how can I check to see if I am completly off a mortgage?
Typically a obtaining and reviewing a Tri-Merge Credit Report (which contains reporting information from all three major agencies, Equifax, Experian and Trans Union) will reveal if you have any Mortgage debt where it is reported that you are responsible for payments. Major debts almost always...