The present invention provides a hydrocarbon fuel reformer systems that improve the recovery and utilization of the water vapor and/or the heat energy within the reformer system. In a preferred embodiment, the present invention utilizes a desiccant matrix maintained in a water transfer assembly to collect, in a continuous manner, water from a process stream and transfer the water to a reactivation stream to return the water vapor to the reformer, with or without the use of a heat exchanger, and without requiring the collection and evaporation of liquid water.