Problem: Reverse mortgages today represent only a very small per cent of the U.S. home-loan market; they are starting to grow rapidly. New programs are starting up weekly, led by B of A, as banks are now entering the market in addition to the government backed programs. The baby boom wave has begun so we can assume this form of financing will become more and more important in the future. The selected index and amount of fees are prime ingredients in selecting a reverse mortgage. Any thoughts on this subject.