Ah, the golden years. But in these post-crisis times, many seniors are spending more time worrying about the roof over their heads than what hobby to pick up next. Some seniors are among the millions of Americans facing foreclosure because they can't afford to continue making the payments. Others are struggling with rising medical bills or simply can't continue to pay the mortgage on their fixed-income. These are three of the primary reasons seniors consider reverse mortgages -- a type of equity loan that is on the rise.