Start With What's Happening in Your Life
You don't need to know which financial product you need. Start with what's happening in your life, and we'll help you understand your options.
- 1.Your situation
- 2.Your options
- 3.Home equity
- 4.Reverse mortgage
- 5.Eligibility
Money & Income
House Rich, Cash Poor
Most of your wealth is in your home, but day-to-day cash is tight.
Options to explore
- Budget review
- Benefits screening
- Downsizing
Retired With Little or No Savings
Retirement arrived before savings did, and income doesn't stretch far enough.
Options to explore
- Benefits screening
- Part-time work
- Expense reduction
Living on Social Security
Social Security is your main income and rising costs are squeezing it.
Options to explore
- Extra Help & Medicare Savings Programs
- Property tax relief
- Budget review
No Pension / Insufficient Retirement Income
Without a pension, your guaranteed income may not cover the basics.
Options to explore
- Annuities
- Delaying Social Security
- Part-time work
Need More Monthly Retirement Income
You're getting by, but a bit more each month would change a lot.
Options to explore
- Withdrawal strategy review
- Annuities
- Renting a room
High Home Equity but Low Monthly Income
Your home has grown in value, but your income hasn't kept pace.
Options to explore
- Downsizing
- HELOC or home equity loan
- Reverse mortgage
Debt in Retirement
Credit cards, loans, or medical bills are following you into retirement.
Options to explore
- Nonprofit credit counseling
- Debt management plan
- Refinancing
Need Emergency Cash
An unexpected expense needs to be covered quickly.
Options to explore
- Emergency assistance programs
- Family support
- Personal loan
Housing Costs & Your Home
Can't Afford the Mortgage After Retirement
Your mortgage payment made sense on a paycheck, not on retirement income.
Options to explore
- Loan modification
- Refinancing
- Downsizing
Property Taxes or Insurance Becoming Difficult
Rising taxes or insurance premiums are making your home harder to afford.
Options to explore
- Senior property tax relief
- Tax deferral programs
- Shopping insurance
Major Home Repairs
A roof, furnace, or foundation repair can't wait.
Options to explore
- Repair grants & low-income programs
- Home equity loan
- HELOC
Paid-Off House but Need Money
You own your home free and clear, but cash flow is a problem.
Options to explore
- HELOC
- Home equity loan
- Reverse mortgage
Considering Selling Because of Money
You'd rather stay, but money worries have you thinking about selling.
Options to explore
- Downsizing
- Sale-leaseback
- Renting out space
Health & Care
Unexpected Medical Expenses
A diagnosis or hospital stay has left bills Medicare doesn't cover.
Options to explore
- Hospital financial assistance
- Payment plans
- Medicare Savings Programs
Need In-Home Care
You or a spouse need help at home and want to avoid moving.
Options to explore
- Medicaid waiver programs
- Veterans benefits
- Long-term care insurance
Need Long-Term Care
Planning for or paying for assisted living or nursing care.
Options to explore
- Long-term care insurance
- Medicaid planning
- Veterans benefits
Want to Stay in My Home
Staying in the home you love is the goal — you need a plan to afford it.
Options to explore
- Budget review
- Property tax relief
- Home modifications
Aging in Place
Making your home safe and affordable for the years ahead.
Options to explore
- Home modification grants
- Community aging services
- In-home support
Family & Life Changes
Recently Widowed / Lost a Spouse
Losing a spouse can mean losing income too. Take time — then review your options.
Options to explore
- Survivor benefits
- Pension survivor options
- Budget review
Helping Aging Parents
You're an adult child trying to help a parent afford to stay safe and secure.
Options to explore
- Benefits screening
- Family support
- Care coordination
Not sure where you fit?
Answer a few quick questions and we'll point you toward the options that make sense — reverse mortgage or not.