I'm a senior, and have owned my home for 35 years. But relying on Social Security and a part-time job, it seemed I was always short of money.  I had heard of reverse mortgages, but ended up with an unscrupulous broker who forged my signature.  I was left with a monthly mortgage payment that was twice my income, and a mortgage in default.  I was in danger of losing my home until a legal aid attorney helped me work with the bank to cancel the loan and stay in my home.  I am so grateful for their help. ~ Mr. D.