Potential tools to reduce interest rate risk and cash flow, let's take a few minutes to compare the Home Equity Lines of Credit (HELOCs) and Home Equity Conversion Mortgages (HECMs) (also known as reverse mortgages). by Rich Arzaga, CFP®, CCIM , The Real Estate Whisperer ®  Financial Planning Managing debt is a frequent concern for many clients, particularly those seeking to consolidate credit card debt or reduce/eliminate mortgage payments. When it comes to accessing home e