My home needs repairs that I can't afford, and I have to refinance the mortgage because I'm paying almost ten percent interest to a company that doesn't even give me an honest record of my payments. I also need to keep paying the property taxes, which keep going up. Carpenter ants, which are like termites on steroids, have damaged my kitchen. Some local people are donating some materials and labor, but I still have to pay for some of it. They can't do everything for free. I spent a lot of money fixing up the bathroom, and that was also done at a discount. I also had to have a huge cedar tree and a huge oak tree trimmed away from my roof. I still need a back porch, too. It's falling apart. I'm almost 65 years old and in poor health, but I do as much as I can to fix the little things. The clock is ticking, and I have learned that I can't refinance because my income is too low, and I can't get a reverse mortgage for the same reason. However, if home values keep rising, I can get the reverse mortgage next year. I just have to hang in there for a while.