Q: I live in California and read your article earlier this year about a new way for homeowners to tap their equity without selling. I am living off of an annuity, but when that runs out, I want to be able to tap the equity in my home and I’m not sure what is the best way to do that.

My choices are to use a reverse mortgage, sell my home, get a home equity line of credit (if I qualify; I can’t qualify for a home equity loan) or use one of the home equity investment companies you talked about in the column.

Hometap is one of the companies you talk about in the article, and they do business in California. I’ve been talking with them, but they are only available to me by phone or online. I like to have something I can hold in my hands.

Everyone I talk to has a different opinion of what I sh

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