Do I still own my home with a reverse mortgage?

Yes. A reverse mortgage is a loan, not a sale. You stay on title as the legal owner, you keep all the rights of ownership, and any appreciation in the home's value belongs to you (or your heirs). The lender does not take ownership, does not take partial ownership, and cannot kick you out as long as you meet the loan terms. Your responsibilities are the same as any homeowner: pay your property taxes, keep homeowners insurance in force, pay any HOA dues, and maintain the home in reasonable condition. The reverse mortgage is simply a lien on the property — exactly like a traditional mortgage — and it gets repaid when the home is sold, refinanced, or transferred after your passing. If your heirs want to keep the home, they can pay off the reverse mortgage balance (or 95% of the appraised value, whichever is less) and the home is theirs.