Is it more difficult to get a loan today than it was a year or two ago? That's a good question. The answer depends on many things ---- but for starters make sure you are getting your advice from someone you trust. If you don't trust your lender, find another one.
In the past couple of weeks I've had three people ask me about reverse mortgages. I've always cautioned my clients to make sure they understand the costs associated with this type of loan. A reverse mortgage is available to someone 62 or older who is interested in financing their residence. The AARP has a number of articles on reverse mortgages.
There are counselors approved by the U.S. Department of Housing and Urban Development who can help you.
I'll say it again. Work with someone you trust. Questions? I'll be happy to point you in the right direction.