When Jim called my office, he was facing foreclosure and did not know what to do. Jim has been disabled and on disability ever since he contracted Polio as a child. His home was all he had and his disability and social security income was not enough to make ends meet. His credit scores and his income would not qualify him for a traditional mortgage so he believed he was out of options. I told him about Reverse Mortgage and how income and credit scores are not a factor in qualifying for a Reverse Mortgage Refinance. The two qualifying factors are only being 62+ and the value of the home. I ran some quick numbers for Jim and he qualified for enough to pay off his mortgage, save his home from foreclosure and give him the opportunity to stay in his home without a mortgage payment for the rest of his life.