Retire With Options. Not Just Obligations.
The Reality!
Seniors are carrying more debt than ever.
Retirement costs are up. Income is fixed. And too many feel they have to sell their home just to survive.
That’s where the reverse mortgage comes in, if it’s done right.
What is a Reverse Mortgage?
- A reverse mortgage allows homeowners 55+ to access up to 55% of their home’s value, tax-free, without monthly payments.
- You maintain ownership of your home.
- You can use the funds for anything – debt, renovations, medical care, gifting to family, or simply lifestyle support.
When It Makes Sense:
- You want to stay in your home but need financial flexibility
- You’re supporting children/grandchildren with their housing
- You want to cover debt or expenses without selling assets
- You’re looking for peace of mind, not payment pressure
What We Do Differently
We don’t just quote a product – we analyze your entire financial picture, long-term plan, estate needs, and tax implications. Then we walk through it with your family or advisors if needed.
This is about dignity. Security. Control.
What We Do Differently
Here’s how we help you explore your reverse mortgage options:
- Intro Call: We learn about your needs, goals, and current mortgage.
- Full Review: We assess your equity, income, debts, and estate needs.
- Custom Strategy: We model reverse mortgage options vs. alternatives.
- Family Meeting (if needed): We can walk through this with your children or advisors.
- Next Steps: If it’s right, we guide the application — if not, we’ll say so.
Real Example
📌Client’s health took a turn and so did their finances. Within 6 months the bank was about to own their home. This power of sale was reversed thanks to a reverse mortgage mortgage. Paying off their outstanding mortgage balance, all consumer debts with a cash take out of $75,000. Client is now able to focus on their health while keeping their home.
📌 Client used a reverse mortgage to pay off all remaining debt, funded private medical care, and gifted her kids a down payment; all while staying in the home she’s lived in for 25+ years.
FAQ’s
Will I still own my home?
Yes! You stay on title and maintain full ownership.
Do my kids lose their inheritance?
Not necessarily. We’ll walk you through how reverse mortgages impact equity and estate planning.
Can I repay the loan early?
Yes, there are flexible repayment options. We’ll explain the costs and benefits clearly.
Your home is your strongest asset – let’s make it work for you, not against you.
📅 [Book a Senior Planning Call]
📥 [Request a Reverse Mortgage Analysis]
📄 [Send Us Your Scenario]
smmortgages.co 