A reverse mortgage loan can be a smart way to get the funds you need in retirement, but that doesn't mean they're the safest option, either. Getty Images/iStockphoto

The realities of retirement may look a lot different now than you once imagined. While Social Security , pensions and investment withdrawals remain the backbone of retirement funding, issues with rising living costs , longer life expectancies and elevated healthcare expenses have put a lot of weight on the average retiree's finances. That, in turn, has led many older Americans to search for ways to boost their incomes , and some senior homeowners are now turning to their most valuable asset — their homes — for financial support.

There are a few ways to do that, but one unique that's option geared directly towar

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