If you're over age 62 and own yourown home, you may be eligible for areverse mortgage, which lets you tapinto the value of your home withouthaving to sell it or take out an equityloan. You can get a lump-sum payment,a monthly check, or a line ofcredit, and the mortgage doesn't haveto be paid back until you die or sellthe home. Plus, you can never owemore than the value of your home atthe time when the loan is paidback. Reverse mortgages are complex,so you need to learn all you canbefore you take any action. For morefacts on reverse mortgages, checkwith AARP (www.aarp.org/revmort).If you own your house jointlywith your spouse, you both must beover age 62 to qualify for a reversemortgage.