Regular contributor to the AARP magazine, Jane Quinn, makes some interesting observations and recommendations. Ms. Quinn points out that 41% of American’s age 64-74 carry debt on their home. This is up an astounding 87% from just two decades ago. Later in the article, Ms. Quinn points out that a reverse mortgage is a option that seniors need to consider as they seek to fund their longevity and independence. AARP and FHA had the foresight in the 1980’s to initiate the FHA Home Equity Conversion Mortgage (HECM) reverse mortgage program to help seniors manage their “golden years”. More and more, financial advisors are coming to understand the importance of, and the wisdom behind, FHA reverse mortgage program.