[sweeps]

Reverse mortgages make sense in some situations. Say an elderly person owns a house and wants to continue living in it, but he or she needs cash flow. The bank pays a monthly mortgage payment to the person, and then when he or she dies, the bank gets the house. Everyone's happy.

HomeCooking, what you're referring to is a negative amortization loan. Definitely a risky loan, particularly with interest rates going up and housing prices leveling off...