Here's a sobering message for anyone who has a federally insured reverse mortgage or plans to apply for one: If you don't pay your local property taxes or hazard-insurance premiums, the risk of losing your house to foreclosure is about to increase. Although the Federal Housing Administration, which runs the dominant reverse-mortgage program, often has been lenient and forgiving in the past about tax and insurance delinquencies by seniors, the agency is likely to take a more disciplined approach in new guidelines due this summer.