They can be used a number of ways to support a more secure retirement by allowing the homeowner to age in place. A HECM can extend the longevity of a retirement portfolio when used to pay off a traditional mortgage. The homeowner gets the flexibility to make a mortgage payments when their cash flow. Portfolio supports the payment throughout the retirement. The added cash flow helps reduce the percentage that an individual needed to take from their investment during the down market years allowing the portfolio to last longer in retirement. Please let me know if this is what you are looking for?