Having a retirement plan is essential to every worker and employee in varying industries. As part of this plan, you need to be financially stable. One tactic most retirees use during their retirement phase is using their homes as collaterals to obtain funds. While this is not a bad idea, it can be catastrophic for a homeowner with no means to pay back the loan. Often, the result is a foreclosure on the home. However, there is a better and safer way to procure a mortgage without having to lose y...