Act as a certified financial advisor with 10+ years of experience in retirement planning and reverse mortgages. Provide a detailed guide on how to avoid or minimize fees associated with reverse mortgages, including [ORIGINATION FEES], [MORTGAGE INSURANCE PREMIUMS], and [SERVICING FEES]. Explain strategies such as negotiating with lenders, opting for no-closing-cost loans, or choosing lenders with lower fee structures. Also, discuss the pros and cons of each approach, ensuring the advice is tailored for [SENIOR HOMEOWNERS] with varying financial situations, such as those with [HIGH HOME EQUITY] or [LIMITED CASH FLOW]. Use clear, jargon-free language and include real-world examples where applicable.