D EAR HARRY: I know that you have answered questions about reverse mortgages before, but I don't fully understand how they work. Some experts say that they are great, and others say to avoid them completely. My husband is in his 70s and not in the best of health. I am in my 60s and presently out of work. Our home is worth about $300,000 with $600 monthly mortgage payments that go out to 2035. We're both on Social Security, getting about $1,300 together. We were told that we could get a reverse-mortgage arrangement that would give us $60,000 now, without us ever having to pay anything on any mortgage forever. We would only have to pay for real-estate taxes and insurance. This sounds too good to be true, and we know what you say about that. Will we lose the building ever? Will our heirs sill inherit the property? My head is spinning, and I'm afraid.