In XXXX 2015 I signed up for a reverse mortgage and was told that when I signed up that I would be grandfathered in before the new laws were to come into effect. I and my wife signed a contract on XXXX XXXX and did the XXXX counseling on XXXX, 2015. However, after all the paperwork was completed they decided to rewright the contract under the new laws. This put me in a bind because we would have to start all over again. Plus the agent told us to save our mortgage money and now we are behind in XXXX, 2015 
