Real estate is getting the worst effect because of economy crisis or we should say that this is the blamed reason of why the world is suffering in economy crisis. We know many toxic assets coming from real estate and property asset. The mortgage was a popular term in the past because many people use this as the way to get house including using the reverse mortgage. What is difference between normal and reverse mortgage? The different is the target and requirement because reverse mortgage only can be applied by senior member, people above sixty. With so many mortgages offered many people prefer to use this but not the sub prime mortgage which has biggest risk. We need to take one of normal mortgages or reverse mortgages offered by bank or financial institutions. There are so many things which we can take from that offer because it is hard for every person who still start business to buy in cash a house. And if they wait until the money amount is enough then they will be left behind because the house price will be increased more. There is a calculation before we take reverse mortgage and if you confuse with the calculation you can take the reverse mortgage calculator program which can help you count the amount you need.