Three ways a HECM can help you stay in the home you love

Age in Place, On Your Terms

{{example.name}} (ages {{example.ages}}) own a {{example.valueNow}} home with {{example.mortgageBalance}} left on the mortgage. An illustrative HECM makes ~{{example.principalLimit}} available; after the payoff, roughly {{example.afterPayoff}} is left as a standby line or lifetime income. All figures hypothetical; actual amounts depend on age, home value, and program terms.

Use	What it does	Illustrative amount	Key detail
1 - Eliminate the payment	Pay off the existing mortgage; no monthly P&I required going forward	+{{example.freedCashflow}}/mo freed cash flow	You still pay property taxes, homeowners insurance, HOA dues, and upkeep. Failure to do so can cause the loan to become due.
2 - Growing line of credit	After payoff, keep the remaining principal limit as a standby credit line that grows over time	{{example.lineOfCredit}} available line	Unused portion grows, giving more cushion over time for healthcare, home repairs, or a market downturn.
3 - Lifetime income (tenure)	Convert the remaining equity into steady monthly payments for as long as you live in the home	~{{example.tenureIncome}}/mo (illustrative)	Loan advances, not income - proceeds are not taxable as income, but consult a tax advisor about your specific situation.

Two separate views - keep them separate when making your decision

Cash flow (monthly picture)

What changes right away

Mortgage payment eliminated +{{example.freedCashflow}}/mo

Optional tenure income (Use 3) ~{{example.tenureIncome}}/mo

Taxes + insurance + upkeep Still your responsibility

Cash flow and wealth are two separate conversations. This is the monthly picture only.

Wealth / legacy (equity over time)

The honest tradeoff

Equity today (approx.) {{example.equityNow}}

HECM balance over time Grows (interest + fees)

Equity left to heirs Reduced over time

The balance grows over time, reducing equity available to you and your heirs. This is a real tradeoff - informed choice, not a surprise.

Four questions to help you decide if a HECM fits

Do you want to stay in this home long-term?

A HECM works best for homeowners who plan to remain. Moving soon makes the upfront costs hard to justify.

Is eliminating the mortgage payment your top priority?

If freeing up {{example.freedCashflow}}/mo would meaningfully improve your retirement, Use 1 may be your strongest case.

Do you have a cushion for taxes, insurance, and upkeep?

A HECM requires you to keep these current. If cash flow is very tight, make sure there is a plan for these obligations.

How important is leaving equity to heirs?

If legacy is the top goal, weigh carefully: the HECM balance grows and reduces what heirs receive. Informed choice means seeing both sides.

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{{compliance.pendingLabel}} Equal Housing Opportunity. {{lo.company}}, NMLS #{{lo.nmls}} (Company NMLS #{{compliance.companyNmls}}). Figures and the example household are hypothetical and for illustration only; not an offer, quote, or guarantee. Appreciation, income, and tax treatment vary and are not guaranteed. This co-marketed seminar is cost-split by fair market value of promotion per RESPA; no party pays for referrals. Consult a tax advisor. NMLS Consumer Access: www.nmlsconsumeraccess.org. This seminar discusses reverse mortgages (Home Equity Conversion Mortgages, or HECMs) for education only; nothing here is an offer or commitment to lend. A HECM is an FHA-insured loan available to eligible homeowners age 62 and older. You keep the title to your home. You must continue to pay property taxes, homeowners insurance, and any HOA dues and must maintain the home; failure to meet these obligations can cause the loan to become due and payable and could result in loss of the home. The loan balance grows over time as interest and fees are added, which reduces the home equity available to you and your heirs. A HECM is a non-recourse loan. Independent HUD-approved counseling is required before you apply. This material is not provided by or approved by HUD, FHA, or any government agency. Not all borrowers will qualify; program terms are subject to change. Loan advances from a HECM are not considered income for federal income tax purposes; however, tax treatment varies by individual situation - consult a qualified tax advisor about your own circumstances.