A married couple cannot qualify for an FHA HECM reverse mortgage if neither borrower is at least 62 years old. At least one of the borrowers must be at least 62 years old.
Credit score per se does not matter when it comes to qualifying for an FHA HECM reverse mortgage. Nor does current income. What matters is whether you show attention to paying your bills as they come due. If you are behind on your current mortgage or taxes or insurance or HOA, the reverse mortgage lender may turn you down. The lender may tell you to get caught up on all your housing related payments and reapply in a year.
With a reverse mortgage you will still have to pay taxes, insurance, and any HOA dues.