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There are many financers who just operate for minting money, but these financers are interested in serving the society with a better option of availing loans. Hence reverse mortgage has both rewards and flaws. But it is for the customer to decide as to if the flaws are more or the pros. Different people have different notions and one thing which is seen as a flaw for one person, might not necessarily be the flaw for the other person, hence perception changes from person to person and hence becomes difficult to predict.