Eddie always said that when he retired, Jeannie and he were going to see America. See it the real way, driving to the small towns as well as the big cities and meeting the people. Lately, however, money has been tight.

After choosing a reverse mortgage that paid Jeannie and him monthly installments for the rest of their lives, money is no longer a worry and that old Buick can rest in the garage when they take their monthly trips in their new motor home.

Thanks to their reverse mortgage, Eddie and Jeannie are living their dreams. Seeing America one place at a time and one smiling face at a time.

Harriet was always an independent woman. She was the first woman in her family to go to college. The first to become an executive in a big corporation. The first to retire to the good life.

However, all her planning never envisioned that the winter home she wanted would be so expensive. By getting a lump sum, government insured HECM [Home Equity Conversion Mortgage] mortgage, Harriet could buy that home. Free and Clear.

She now enjoys summers in the north with her long-time friends and winters in the south with her new "warm weather" friends.

Mary was having trouble just making ends meet. While her monthly payments on her fixed rate mortgage had remained the same, her income had dwindled and her taxes had nearly tripled since buying the family home. Now the house needed a new roof. Could a new furnace be far off?

What to do? Mary loved the house that she and her late husband, John, had made a home for their three children, now grown and with children of their own.

Mary heard about reverse mortgages and discovered that she had been living in the answer to her problems. Over the years the growth in equity in her house acted like a savings account for these rainy days.

Mary chose a government insured HECM [Home Equity Conversion Mortgage] mortgage. Her plan allowed her to take a lump sum payment which paid off her existing mortgage, gave her money for her immediate problem and have a line of credit available for those future bills and unexpected emergencies. The reverse mortgage which does not require a monthly payment coupled with the fact that she no longer had a traditional mortgage payment meant that Mary could now stop worrying about bills and enjoy life. The extra money even allowed Grandma to spoil her grandchildren a bit more.

Larry and Beth After watching Beth's mother live out her last days in an extended care facility, not her own home that she loved so dearly, Larry and Beth decided that that was not the way they wanted to spend their days should serious illness befall one of them. While the facility was comfortable and as warm as possible it was not a home. It was not where she wanted to be and where she should be.

They searched and searched for answers which came from all the hard work and effort they both expended in their house. The equity in their house allowed them to get a reverse mortgage. The money then allowed them the luxury of deciding whether they wanted to purchase long term care insurance or pay for in-home care directly. They now had peace of mind, knowing they would grow old together in their own home with all the memories of their love and their love for their children and grandchildren.