My in-laws never had the money to save for retirement, so they got suckered into a reverse mortgage in Florida. They saw it as a way to have some spending money in their old age, but now that they've spent it and they're upside down it's a prison. They want to move to another area, closer to family, but they have no equity, and so no means to get a new place.

I'd imagine that falls into the bucket of a boomer with a mortgage.