What would you do differently if you had more money available? Did you know that the U. S. Department of Housing and Urban Development (HUD) designed the Home Equity Conversions Mortgage (HECM) or Reverse Mortgage program in 1988? It is a very useful program that is specifically designed to benefit Seniors 62 and older. If you are not yet familiar with the Reverse Mortgage program, this website will provide all of the kinds of information and assistance.