My goal is to help homeowners, 62 or older, improve the quality of their lives with a reverse mortgage. The programs that I offer are federally insured Home Equity Conversion Mortgages. Some uses of reverse mortgages include paying off an existing mortgage to improve cash-flow, creating a funding source for in-home care or simply establishing a line-of-credit for future needs, thus creating peace of mind. The number one misconception is that the lender automatically get the house when the borrower(s) die. This is not true. The heirs can sell the house, pay-off the loan and keep the remainder, or they can refinance the house and keep it. If it is upside-down, the Mortgage Insurance Fund through FHA pays any deficiency. I am always happy to prepare a free, no-obligation proposal.