Ken and Daria Dolan, America's First Family of Personal Finance, answer your money questions every Friday.

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A reverse mortgage can sound like a tempting concept: Instead of you sending a mortgage payment each month, you receive one from the bank. Gee, just tell us where to sign up!

Not so fast. Reverse mortgages can be complicated and expensive, so you need to know how they work – especially in the midst of a financial crisis. Our video response explains what to watch out for, when they can work best for you, and what factors to consider before signing up.

Learn more about reverse mortgages at Dolans.com, where you'll find complete information on refinancing and saving big bucks on your payments.