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 - Earthmaster Project Progress Just a little update on my Earthmaster......it's back from the dead! I pulled the head, and soaked the stuck valves with mystery oil overnight, re-installed the head, and bingo, the compression returned. But alas, my carb foiled me again, it would fire a second then flood out. After numerous dead ends for a replacement carb, I went to work fixing mine.I soldered new floats on the float arm, they came from an old motorcycle carb, replaced the packing on the throttle shaft with o-rings, cut new ga
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