The Reverse Mortgage
is an excellent financial planning tool that is used by homeowners from all walks of life to enhance their retirement years.

Whether seeking money to pay for medical treatment, finance a home improvement, buy long-term care insurance, or supplement your income, many older Americans are turning to "reverse mortgages."

With a "regular" mortgage, you make monthly payments to the lender. But with a reverse mortgage, you receive money from the lender and generally do not have to repay it for as long as you live in your home. In return, the lender holds some of your home's equity.

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Information released by the US Department of Housing and Urban Development indicates that over the past 15 years more than 300,000 senior citizens have taken advantage of the benefits reverse mortgages have to offer.