Reverse mortgages are a solution for some seniors who want to stay in their homes, but they're not the only solution. If you're having difficulty making mortgage payments, you may be able to refinance your existing loan. Government programs are available in some states to help. You might also be able to get a standard home equity loan that will give you the extra cash you need. Also, some families bond together to help by providing what some call a "family reverse mortgage," loaning the money needed, to be repaid via the estate.

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