I own my home completely. I need a loan?

I have NO mortgage payments on my home at all. I own it completely. But, I need a home improvement loan. I am 52, & live on a fixed income. I have poor credit, I think. What type of loan do I get?
Update: Actually, I do appreciate any of your answers offering helpful information - whether it is good news for me or bad news. I had heard about the Reverse Mortgage option, but they advertise that we must be age 62. I am a disabled 52 year old on a low fixed income, so does anyone know if I would qualify? Thanks... show more Actually, I do appreciate any of your answers offering helpful information - whether it is good news for me or bad news.

I had heard about the Reverse Mortgage option, but they advertise that we must be age 62.

I am a disabled 52 year old on a low fixed income, so does anyone know if I would qualify?
Thanks again for any assistance, advice, or help.

Important note: I also need some type of old used car just to get me to the doctor & grocery store. Any ideas on that?
Thanks again!
Update 2: Does anyone know if I can qualify for a reverse mortgage at age 52 if I am completely disabled & living on SSI?
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