What types of situations make you NOT be able to qualify for a reverse mortgage?

I’m assuming they don’t let everyone do a reverse mortgage – what are the DISqualifications?

In short:
Senior inlaw CA house value: 700,000
Mortgage consolidated with cc and other debts: 400,000
These people are still racking up the debts

When father IL passes on, mother IL wants to do a reverse mortgage so she’ll have money to live out the rest of her life. She was told she just has to hit a certain age. She seems to think the house will be left to us, but we doubt there will even be a house.

But would she be qualified? Wouldn’t they not allow a reverse mortgage if your debt was too high?? Thanks!

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