Residence equity conversion home mortgages, the most typical sort of reverse home mortgage, bring a variety of fees as well as expenses. In addition to among the base prices, the lending institution includes a margin of one to 3 percent points. So if the LIBOR is 2.5% and the lending institution's margin is 2%, then your reverse home loan rates of interest will be 4.5%. Interest substances over the life of the reverse home mortgage, and your credit report does not impact your reverse home loan rate or your capability to qualify.