Can a reverse mortgage be applied to an irrevocable trust?

No it needs to be revocable. Let's discuss your loan scenario in more detail. Contact me at 800 315 8803. My name is Jamie and I have been offering REVERSE mortgages since 1989. I am happy to answer your mortgage questions, 7 days a week and review your loan scenario. Until then, I look forward to hearing from you. Jamie Lynne - www.bartprequalifies.com - email Jamie@bartprequalifies.com - 800 315 8803