I am 68 my wife is 54 can she be taken off title for a reverse mortage

She can be taken off, and when she is 62 you can refinance and put her back on.

Sorry, most HECM lenders will not allow this, since January 2013. There are legal challenges in the court system now, where a younger spouse, who was removed from title as you suggest, is suing to retain the reverse mortgage, after the death of the older spouse. Since the equity protection of the lender, and the insurance exposure by FHA, are both calculated on the life expectancy of the borrower(s), these challenges could compromise the risk assessment associated with the loan.

yes you can....Please call me at 302-894-9111 this is my office number and my cell is 302-559-8625

While some lenders no longer allow "non-borrowing spouses" we along with a few others still allow it with proper disclosure and counseling. Another comment mentioned that you can add her back later however there is no guarantee that you will have sufficient equity at that time to qualify.

This will depend upon the state you are located in. I would call a local Reverse specialist.

Yes. As of February 1st, most Lenders won't allow that combination, but there are two Investors that still do, and only one of them does it without Investor Overlays (me).