A reverse mortgage won't be the right choice for every retiree next year, but it could make sense for some borrowers. Getty Images/iStockphoto

Retirees are heading into 2026 with a lot on their minds. The cost of living may be rising more slowly than it was a few years ago, but higher prices have settled in for the long haul, and inflation has been ticking back up , too. As a result, everything from Medicare premiums to homeowners' insurance is expected to inch upward next year, leaving many older Americans wondering how to balance stability and flexibility on a fixed income. At the same time, one major financial resource continues to stand out: home equity .

After years of steady home appreciation, many homeowners over age 62 now hold more wealth in their homes than they d

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