Unlocking trapped equity the key to a secure retirement

To stay at home…use your home

Your home’s equity, like stock prices and interest rates is subject to the mood swings of the financial markets. We only have to go back to 2008 to see what effect that can have on your home equity and ultimately your retirement goals.

Many Californians saw 50% of their equity evaporate seemingly overnight. As fast as that equity disappeared it has been equally slow in its comeback. It wasn’t until 2016 that most of us saw our equity return to pre-bubble levels.

Unlock trapped equity


When your equity is still in your home it’s trapped!

Accountants and financial planners refer to your equity as a non-liquid asset, meaning it’s not readily converted to cash if you should need it for emergencies or other life events. Until you actually put it to use for your retirement it only looks good on paper and sounds good at parties.

Protect your equity with The New Reverse Mortgage

To maximize the benefit the equity in your home brings, it’s important to understand how market changes will affect you.

The New Reverse Mortgage protects your equity

I remember my first business class professor telling us to “buy low and sell high”. Even though you would still own your home with a reverse mortgage, unlocking that equity now while values are at all time highs is the best way to ensure you are maximizing its impact on your retirement and ensuring a legacy gift for your family.

Let me explain…

Let’s take a look at two Reverse Mortgage eligible homeowners, John and Marcia. Both are 70 years old. Their homes are currently worth $400,000 and owned mortgage free. Each has elected to receive $100,000 at closing and would like the “retirement paycheck” option of the New Reverse Mortage.

Create your own “retirement paycheck” with The New Reverse Mortgage

Marcia has decided that now is a good time to finally apply for a Reverse Mortgage. John on the other hand wants to think about it. Unfortunately for John it’s deja vu all over again and while he’s thinking it over his home value declines 25%



Home Value

Max Mortgage

Cash at Closing*

Retirement Paycheck*













While $248/mo might not seem like much now, over the course of fifteen years Marcia will pocket an additional $44,640 of tax free proceeds.

Note: This is not a loan commitment and figures are for demonstration purposes only

Note: *The retirement paycheck refers to the tenure option available with The New Reverse Mortgage. Amount is guaranteed as long as you continue to occupy the home as your primary residence, keep property taxes and homeowner’s insurance current and maintain the property.

Love your home? Check out The New Reverse Mortgage

The New Reverse Mortgage isn’t for everyone…But it could be!

How do I know if The New Reverse Mortgage is right for me?

If you’re still wondering if The New Reverse Mortgage is the right solution for you but you’re not ready to sit down with one of our Reverse Mortgage Experts, then we’ll be happy to mail (or email) you Use Your Home to Stay at Home which is the official federally approved consumer booklet for those considering a reverse mortgage.