HARRISBURG – Philadelphia County Rep. Morgan Cephas is planning to introduce legislation to help seniors who might otherwise become victim to potential pitfalls of reverse mortgages to help them better understand the process and be able to take advantage of the benefits of the option. While reverse mortgages can help some seniors navigate financial struggles, for some seniors, reverse mortgages can be confusing financial tools that are costly, even costing some their homes. The proposal would require face-to-face counseling for a senior with an approved financial counselor before one begins a reverse mortgage. If the meeting is unable to take place face-to-face, the potential borrower could also meet with a counselor over the phone or through video teleconference.