you get a monthly check, and htese plus interest are added to your " loan " no money gets re-paid until your death, and the loan gets settled out of the estate or sale of the home good way to throw away your equity i guess, but for elderly people struggling to make it, why not use your house to live a comfortable life only ones really getting short changed are the heirs, but if you are counting on your parents assests, you have not done a very good job with your own life bob
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