I'm Barry Kessler, thanks for joining me, and I'm a Real Estate Agent licensed in the state of California and today I will be talking with Mark Richardson with CSMC Mortgage in Thousand Oaks California about reverse mortgages, and about the creative ways they are being used not only as a tool to help preserve someone's home when they can no longer afford to make payments, but as a financial tool as well. It can be very interesting as you will find out.  So, let's go right now to Mark Richardson, and learn about Reverse Mortgages.