I would think that simply getting an equity line of credit (if you have equity in the home) might be the better and easier course of action for you. You could take out what you need when you need it and take your time paying it back. One thing: there are scam artists out there who would certainly put together a deal that sounds great but ends up putting you on the street with them owning the house. Be careful. Make sure you hire your own lawyer if you are fortunate enough to find someone willing to do what you want. I speak from experience - a former secretary from my old real estate office actually had it happen to her. She lost a home that she inherited from her mother. I would be happy to meet with you to see if we can put our heads together to find a solution to your problem. Good luck!