is there a time mandate on how long you have to have owned the house before reverse mrtg?
Great question! Will run this by the investors and see what they will allow.

On average, what percentage of a loan do closing costs make up?
Very good answers by many of the loan officers here. I specialize in reverse mortgages in SD, MN, IA and NE so I would recommend reaching out to someone locally. Jake Droge 605 941 7029 jakedroge.com

Looking for mortgage to purchase home in Iowa
I can also look at this option for you. My direct line is 605 941 7029 and am located near Sioux Falls, SD.

Reverse Mortgage question - After death
Gary's comments below are very good. If there is no mortgage currently I don't see this being an issue. If you have additional questions feel free to ask me at (605) 941-7029 and I will answer them. Jake Droge-NMLS 403695

Reverse Mortgage
You have an unique situation here but this may be a option if these are forgivable loans from a non-profit agency for repairs to the home. I have done several of these type of loans over the past years and have had several agencies subordinate their loans. My suggestion is to speak with the lienholder of...

Yes, you may qualify for a reverse mortgage and you can do that with any lender who offers reverse mortgages. Jake Droge 605 941 7029

are there loan programs for manufactured homes?
Yes there are programs available. When you start checking make sure to have year of MFG home and if it is on a foundation or not and if a structural engineer report has been done.