LESA Guide Back to Reverse Mortgages Is a Life Expectancy Set-Aside (LESA) a Possibility? This information is provided for illustrative purposes only. An underwriter will determine any potential set-aside in addition to the borrower's qualification during loan processing. Reverse mortgage loans may not be appropriate for certain individuals and restrictions may prevent a homeowner from obtaining a reverse mortgage loan. ATTENTION YOUR INTERNET BROWSER DOES NOT SUPPORT THE USE OF THIS ONLINE GUIDE. PLEASE VIEW THE NON-DYNAMIC LESA GUIDE BY CLICKING HERE.Does the borrower have good credit and no property charge issues?YesNoAre there extenuating circumstances?YesNoA fully funded LESA will be required.Did the borrower pass the residual income test?YesNoAre there compensating factors?YesNoA fully funded or partially funded LESA will be required.Collect required documents and proceed normally.PhoneThis field is for validation purposes and should be left unchanged.