Retire and right-size

Your journey to a home that fits what's next.

Sell your home tax-smart, choose the right next home, and free up the rest for your retirement. Whichever path fits you, the journey looks the same - here it is, start to finish.

Your right-size journey, step by step

Step 1

Discovery

A conversation about your retirement timeline, lifestyle goals, and what right-sizing means for your situation.

You Lender

Step 2

Net proceeds

We calculate what you would walk away with after selling costs, so you know the real number to plan around.

Lender

Step 3

Choose next home

Identify the size, location, and type of home that fits the lifestyle you want next.

You Agent

Step 4

Financing plan

Compare paying cash, a forward mortgage on retirement income, or an H4P (62+) - each path shown neutrally.

Lender

Step 5

List & sell

Price the home accurately, prepare for showings, and accept the offer that fits your timeline.

Agent

Step 6

Secure next home

Go under contract on the right-sized home; coordinating both timelines avoids a gap between moves.

Agent Title

Step 7

Move & settle

Complete the move and begin the next chapter in a home that fits - simpler, and right-sized for you.

Title

Step 8

Freed-up proceeds

Proceeds not used for the next home can go to work in your retirement plan, reviewed with your financial professional.

You

Four questions to find your path

Every household is different - these are the questions that matter most.

Eliminate a payment?

If yes: Path A (cash) or Path C (H4P, 62+) both remove it
If no: Path B keeps a payment, frees more proceeds

How much to free up?

Most freed: Path B, then Path C (H4P, 62+)
Least freed: Path A - full price goes to the home

Are you 62 or older?

If yes: Path C (H4P) becomes available to you
If no: Paths A and B remain your options

What is your legacy goal?

Preserves most: Path A - full remaining home equity
Reduces most: Path C - H4P balance grows over time

Steps8discovery to freed-up proceeds

Questions4to find your path

Closings2sell, then buy right-sized

We run your personalized retirement move analysis: net proceeds, three paths side by side, and your freed-up proceeds picture.

Net proceeds: Your real walk-away number after selling costs
Three paths: Cash, forward mortgage, and H4P (62+) compared side by side
Freed-up proceeds: What is left over for your retirement plan

Scan for your personalized retirement move analysis

Scan to start

{{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. References to a reverse mortgage or HECM for Purchase (H4P) are educational and illustrative only and are not an offer or commitment to lend; a HECM is an FHA-insured loan available to eligible homeowners age 62 and older; the loan balance grows over time as interest and fees are added, reducing the home equity available to you and your heirs; borrowers must continue to pay property taxes, homeowners insurance, and any HOA dues and must maintain the home; 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. Home-sale and capital-gains figures are hypothetical illustrations only and are not tax advice; the Section 121 primary-residence gain exclusion is subject to ownership, use, and dollar-limit rules and may not apply to your situation - consult a qualified tax advisor about your own circumstances. References to freed-up proceeds and retirement planning are general and illustrative; specific investment, annuity, and retirement-income topics are presented by the independent financial professional shown and are not products of, offered by, or endorsed by CrossCountry Mortgage, LLC; CrossCountry Mortgage does not recommend the sale of a home to purchase any investment or insurance product.