For 15 years, Judy Johnson planned to get a reverse mortgage when she retired, supplementing her Social Security with proceeds from her San Clemente condo.  But after she stopped seeing clients and shut down her public relations business last year, Johnson discovered the government had changed the rules on her.  Her three-bedroom condo in Talega Gallery no longer qualified for Federal Housing Administration-insured loans. As a result, she can’t get a reverse mortgage.     Read the article…………