Sandy, 65, had another 10 years to go to pay off her mortgage and felt discouraged. She was ready to retire but did not feel she could because her retirement income would not be enough to cover her mortgage payment and her living expenses. Sandy had heard about Reverse Mortgage but did not know how it worked. She wanted to speak to a local expert instead of talking with someone on an 800 number. Once she realized she could eliminate her mortgage payment using reverse mortgage, she could not get the loan process started fast enough. Typically, the process takes about 30 days to complete. Once the loan was completed, not only did Sandy no longer have to make a mortgage payment, she chose not to go back to work anymore. Retirement was not 10 years away anymore. Reverse Mortgage made it where she could retire before her next mortgage payment was due.