One of the big questions in the consumer finance industry is now about whether you choose a reverse mortgage or a sell and rent back option. There are a few particulars for each. First and foremost is the age factor, for a reverse mortgage you have to be over the age of 62 - no younger. A sell and rent back option has no limits on it. You may get less value from your home for a sell and rent back option but that is down to the lender usually being a smaller company, even sometimes a private individual. But it does mean you get to know them a little more personally and see if your ethos’ match. A reverse mortgage will usually be offered personally through a refinance adviser but the company who lends the money will usually be big like Wells Fargo or the like.