Lloyd Nicholas, 82, and his wife Gloria Hitchcock, 69, sat next to each other as they received counseling on a reverse mortgage, a loan that would allow them to cash out the equity in their home, pay off a mountain of bills and live comfortably as they age in the house they built 50 years ago. But a change in rules on Monday by President Donald Trump's administration will shrink the amount they are set to get by more than $ 20,000.
