You may want to seriously consider selling that house and moving to a rental somewhere that your income can support. That's your bottom line. Don't break yourself trying to hang onto a property that your kids may not even want.
Starting into that reverse mortgage now kind of limits your future options unless your area starts to recover. What is the economic forecast for your area? If things get better, you're still stuck with that old appraisal value and a growing loan balance.
If things get worse, the bank is stuck with you and your loan. Bankers get panicky in a down market. I don't know what part of the country you are in but most of the country has started to recover.
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Today's Featured Article - What Oil Should I Use? - by Francis Robinson. I keep seein this question pop up over and over again in discussion groups all over the web. As with many things there are often several right answers and a few wrong ones. Some purist I'm sure will disagree to no end with what I will tell you but most of us out here in the real world don't really care do we ? Some of them only bring their noses down out of the air long enough to look down them anyway. If you are like me you are only doing this old tractor stuff because you enjoy it. You
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