Does a reverse mortgage company have to check if a person is married when taking out a loan?

Did you ask you DH why he did this?

Are you on the deed? If so this reversed mortgage will effect you especially if he needs to go into care or dies. At that point the Mortgage will be due. Not sure if the Mortgage company cares because the loan is based on the equity but sure this will effect you in the long run.

They should, yes, know who is on the deed and title of the home. As to anything else about single, married or divorced, they are making a loan to a PERSON and the home is the collateral and a part of this loan. So if you are on deed or title that makes a difference overall; I am certain no reputable reverse mortgage company would make a loan without ascertaining the ownership of the home, but then I have been wrong before!