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    Reverse Mortgages - Saving Your Parents Lifestyle
    by Mike Fallon


    My parents really didn't want to sell their house. They were having a tough time paying the mortgage, property taxes, and utilities plus coughing up more cash for a host of prescriptions and medical bills. Neither of them were physically capable of working and they were spending more money than they were receiving from their meager Social Security benefits. Times were hard and they were getting
    worse as my mom and dad dug themselves further and further into debt.

    But then one day my buddy Paul handed me an article he had cut from the financial section of his morning newspaper.

    He said, "I think this might be something your parents could use. It can't hurt to look into it."

    The article was about the benefits of reverse mortgages and how they can help older homeowners maintain or improve their lifestyle in retirement. I had never even heard of a reverse mortgage and to tell you the truth when I first read the article it sounded kind of shady. I mean, how can you take a loan out and not repay the money? It just didn't make sense.

    But as I started to read more about reverse mortgages I began to understand how they work, and that they really could be a godsend to people like my mom and dad.

    If you're not familiar with them yourself, a reverse mortgage is a loan against your home that does not need to be repaid as long as you live there. It's an ideal solution for seniors who have built up a lot of equity in their home and have no desire to move. Because there are no monthly payments to make you don't have to worry about bad credit, bankruptcies, or low income levels.

    Taking out a reverse mortgage was one of the best things my parents ever did. They no longer have to worry about keeping food on the table and gas in the car. I can see the change in their personality as if a major weight has been lifted from their shoulders.

    Reverse mortgages aren't for everyone. But if your parents are strapped for cash and they have equity in their home you should order a free information package and DVD from http://Reverse-Mortgage-Faqs.com. Educate yourself about how reverse mortgages work and then you can sit down with them and decide if its right for them.

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