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You worked hard all your adult life. If you are the typical wife and 2 kids kind of guy over the course of your adult life on average you have made million or more. What exactly do you have to show for it? Here you are at age 62, you own your own home, social security starts in 5 years (maybe) and you are wondering where did all that money go?

You are sure you're going to stay in your home the rest of your life but you can't live on Social security. Because of this, that and the other thing you have no other nest egg. So when you retire, do you go back to work to make ends meet? Do you sell your house and live off the proceeds-where are you going to live? It can be very discouraging.

BUT WAIT. There's a knight on a white horse riding in to show you the proverbial pot of gold at the end of the rainbow. It is called a reverse mortgage. Reverse mortgages have gotten a lot of publicity lately and will probably get a lot of press in the future as baby boomers near retirement age.

A reverse mortgage is a home equity loan that you do not repay as long as you live in the home. You must be at least 62 and the house must be debt free or you must be able to pay off the debt other wise you can not qualify.

The reason it is called a reverse mortgage is because it is the opposite of a regular home equity loan where you reduce debt and build up equity. In a reverse mortgage you reduce equity and build up debt. That is where the money comes from. You may select to get monthly payments, a lump sum upfront, or a line of credit that would allow you to draw on the account as you needed it or a combination of the three.

A reverse mortgage may allow you to have the kind of retirement you always dreamed about and can be the "pot of gold" at the end of the rainbow.

About the Author: Your quest for the BEST deal on a home loan starts with knowledge and information-you can't have too much of either.
Click on these links below for some great FREE information and resources you may not find elsewhere.
www.m-o-r-t-g-a-g-e-r-a-t-e.com and
www.h-o-m-e-e-q-u-i-t-y-l-o-a-n.com

Homeowners should check out
www.h-o-m-e-s-e-c-u-r-i-t-y.com