Utah Code § 57-28-202: Borrower requirements.

A borrower shall:

(1)

(a) for a home equity conversion mortgage insured by the Federal Housing Administration under Title 1 of the National Housing Act, 12 U.S.C. Sec. 1715z-20, be 62 years old or older; and

(b) for proprietary loans not insured by the Federal Housing Administration, be 55 years old or older; and

(2) occupy the dwelling that secures the reverse mortgage as a principal residence.