61.   Fannie Mae, a government-chartered corporation, backs larger, more-expensive reverse mortgages called Home Keepers.

62.   It reduces the costs for seniors refinancing federally insured reverse mortgages and establishes consumer protections for participating homeowners.

63.   Jim Mahoney, chief executive of Financial Freedom, says reverse mortgages can do more than supplement retirement income.

64.   Such a person generally would seek a reverse mortgage that provides for a monthly payment or line of credit she can draw on as needed, he said.

65.   The measure reduces the costs for seniors refinancing federally insured reverse mortgages and establishes consumer protections for participating homeowners.