Most of the larger hospital with specialist doctors and facilities are located in large cities . So individuals who are suffering from a serious illness like cancer or a heart ailment in a small town or village often have to spend their time and money visiting large cities to get the best treatment available. If the savings are insufficient and the patient has no person to help financially , it is advisable to take a reverse mortgage on the home owned by the patient. This will ensure that the patient will financially benefit from the large amount he or she has invested purchase the home.