It is really nothing new, and for many generations our older citizens have often struggled to get by every month. This is particularly true of those who are disabled, retired or on a fixed income for any other reason. In many cases, these folks do have beautiful homes that are either paid off or that have loads of equity in them, but they continue to struggle as inflation and property taxes take bigger bites out of their income. A reverse home mortgage loan might be the perfect answer to this challenging situation, especially for homeowners who are over 62 years of age.