The document discusses how the HERA of 2008 allows for reverse mortgages to be used for home purchases. It provides an example of a couple who wants to buy a $420,000 home using $250,000 cash from their previous home sale and combining it with a $255,526 lump sum from a reverse mortgage, avoiding monthly payments. The document outlines benefits to realtors, including generating two transactions and access to younger family members by moving seniors to suitable homes. Common objections to reverse mortgages are addressed.