Abstract: As the aging problem is getting increasingly serious,the mode of housing reverse mortgage loan seems to be a beneficial supplement of various endowment patterns in China. US housing reverse mortgage loan endowment pattern has made great efforts to ensure the legitimate rights and interests of the homeowners. By providing different types of loans,the US has established and perfected the financial system and met the needs of some elderly pensioners. Whit the experience from the US, to break the barriers in the implementation of housing reverse mortgage loan and make up for the lack of pension mode in China, Chinese government should adopt the system of reverse mortgage loan to supple the models of endowment through public service.