The decision supporting a reverse mortgage begins with EDUCATION. Whether working with consumers or their trusted advisors, the key is to teach how it works, how it helps, how to minimize costs and how to balance wealth preservation and quality of life. In cases where the reverse mortgage option is decided, it should be a win-win. In a depreciating market, borrowers may keep their home with no mortgage payment and no credit burden. If the loan balance exceeds the value, they continue to win. In an appreciating market, reverse mortgages are a great way to grow equity, adding the the benefit of a liquid line of credit which builds at the same compounding rate as the interest rate on the amount borrowed.