In 2014, a "relatively high number" of the U.S. reverse mortgage debtors-- regarding 12%-- back-pedaled "their real estate tax or house owners insurance coverage". In the USA, reverse home mortgage borrowers can encounter foreclosure if they do not maintain their homes or maintain to day on house owner's insurance coverage and also property taxes. While reverse home mortgages do not have earnings or credit rating needs, they still have regulations regarding that qualifies.