The HECM Reverse Mortgage can be a solution to help older homeowners improve their cash flow and remain in their home to retire in place. Homeowner's 62 and over are facing significant financial challenges. Most of this age demographic are on fixed income which is typically Social Security. In addition, it is estimated that over 40% of this age group has a mortgage or lien on their home. These mortgages or liens typically require a monthly payment that accounts for a significant portion of the fixed income.