31.   Reverse mortgages, however, have attracted both critics and advocates over the decade or so that such products have been available.

32.   Reverse mortgages are complex products, and specialists caution those interested to compare carefully the costs and benefits of various loans.

33.   Scholen said that reverse mortgages were available in all states but Texas and that competition among lenders was indeed increasing.

34.   She thinks so highly of reverse mortgages that she is on her second.

35.   Some programs cap the amount you get from reverse mortgages.

36.   Texas is the last holdout on reverse mortgages, just like home equity loans.

37.   That is why the AARP encourages potential borrowers to attend free counseling by reverse mortgage specialists.

38.   The critics say that reverse mortgages are unnecessary, expensive and can result in parents having literally nothing left to pass along to their children.

39.   The Home Keeper for Home Purchase reverse mortgage program allows seniors to make smaller down payments while eliminating the need for monthly mortgage payments.

40.   The first thing to do is contact one of the free HUD-approved reverse mortgage counseling centers.