Mr. and Mrs. Johnson are retired and have their home free and clear of a mortgage. Mr. Johnson realized they have all this equity in their home they cannot access or use. He is a forward thinking gentlemen and wanted to be able to access the equity in the home, but not be burdened with a mortgage payment. He wanted a program that he could access at anytime, not have a monthly mortgage payment and ensure that if anything ever happened to he or his wife the remaining person would always have a home. I set up a Reverse Mortgage Line of Credit that solved all of his needs.