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Reverse mortgage lenders lend to borrowers on three criteria; value of the home, age, and interest rates. The older the borrower, the more a lender will lend to that person as a ratio of the value of the home. Supposing there is more than one person on the loan. The lender factors the youngest persons age as the determinant in the equation to find the loan amount. If the mortgage amount ever exceeds value and the home is sold, either because the last surviving spouse dies or the from a voluntary sale, the lender automatically loses money. This being the case the mortgage company must be conservative by using the age of the younger spouse. With that in mind the lender must give the younger borrowers a lower loan to value ratio than the older ones. The young ones will be in the home longer, and the lender must account for the power of compounding interest working against the security for their investment.