Hey there! Do you own your home and wonder if there's a way to turn some of that hard-earned equity into extra cash—without having to sell or move out? Well, you're in luck! Let me introduce you to something that could put a big smile on your face: the Home Equity Conversion Mortgage , or HECM. Most folks know it as a reverse mortgage , and it’s kind of like your home giving you a warm hug and saying, “You've taken care of me for years—now it’s my turn to give back!