Reverse mortgages were introduced in the US in 1987 under two models, which differ depending on whether the Federal Housing Administration or private financial institutions provide the mortgages. After years of accumulated experience, the number of these mortgages has begun to rise rapidly.
美國這套制度在 1987 年啟動，有政府支持的聯邦住屋管理局（FHA）與民營金融機構承作的兩種模式，經過經驗累積，近幾年業務量暴增。