interest and mortgage "apr" - different or no?
The interest rate is what your lender has quoted you as the rate being charged. The APR is the Annual Percentage Rate. This is what you are really paying annually. It factors in all of the other costs associated with obtaining the loan to show you what that loan is really costing you annually.

can I refinance a reverse mortgage
I can help you and I am local to Ellicott City. You can call me at 410-977-1356 or email at jrosenthal@southerntrust.com