[RVN Airplane Driver]

Only one person need be over 62 for it to be a valid RM in Texas. Thus one could be 90 and that person’s spouse could be 18.

I believe I pointed that out in my post....only people 62 or older can be on the deed! The 18 yr old bride would have no claim to the home...other than as a estate member.

[nomorelurker]

No that is wrong also. The 18 year old could receive the property by inheritance (separate property, not community under Texas law). Marry the 90 year old and at least technically qualify for the RM. The over 62 person need not be “on the deed”. Have you read too many mortgage broker memos?