I was introduced to a couple who were in the process of refinancing their home. They needed about $20,000 to buy a car. We talked for a while until they told me they understood what they wanted to know about a Reverse Mortgage. I left them with this comparison between a Refinance and a Reverse Mortgage. Cost of a Refinance: About $6,000 Monthly Payment: About $1,000 Interest Rate: In the middle "3's" Cash for Car: $20,000 Loan term: 30 more years. Compared to a Reverse Mortgage: Loan Cost: About $10,000 Monthly payment: Optional. Interest Rate: The middle "3's" Cash available: About $95,000 Loan term: As long as they want to stay in their home. They called me a few days later and said, "Mark, we have a counseling appointment for a Reverse Mortgage." I said, "Sounds like you decided to cancel your Refinance to do a Reverse." They said, "Yes, we will call you when we've completed our counseling session." I look forward to hearing from them.