The first and most important step is to contact us for a free analysis to determine if a reverse mortgage is the correct next step for you. It may be the perfect option for you or it may not. If it is not, we will offer alternatives. If it is, we will discuss your financial goals, determine how much money is allowable based upon your age, your home's value, and current interest rates. Included in our discussion are the possible cash out options and which may be best for your situation. You may choose a monthly payment, one up front lump sum, or a line of credit. Additionally, we will answer all of your questions to your satisfaction.