They love that home. They raised us there, hosted holidays, and made a life surrounded by mountain views and familiar neighbors.

But lately, that beloved home became a burden.

My dad’s arthritis makes the stairs nearly impossible. Mom recently took a tumble coming down with a laundry basket. They’ve been sleeping downstairs in recliners because the bedroom and full bath are upstairs. Every time it snows, we worry about icy steps and slipping on the walkway. My wife and I have been helping out as much as we can—shoveling driveways, grocery runs, paying for minor repairs—but it’s taken a toll.

And here’s the truth we didn’t want to admit:

We were running out of time, energy, and money.

Supporting them had started affecting our finances, postponed home repairs, credit card debt, and saying “not this year” to even modest vacations. With our kids starting to think about college, the pressure was becoming unsustainable.

Then a friend mentioned a reverse mortgage.

At first, I had doubts. It sounded like a financial gimmick. But I decided to learn more. 

What I found changed everything.

We connected with a reverse mortgage specialist at Enduro Mortgage who understood not only reverse mortgages but also the Colorado lifestyle and values. My parents qualified because they were over 62 and their home had sufficient equity to make the plan a reality. With a reverse mortgage, they have access to the equity they’d built over decades, without selling, and without required monthly payments.

Here’s what that meant for us:

• They used part of the funds to remodel the main floor, converting a sitting room into a bedroom and adding a walk-in shower with grab bars.
  
  

• The steep front steps were replaced with a beautiful flagstone ramp, blending in with the mountain aesthetic but far safer in winter.
  
  

• They even added a generator to guard against winter power outages.

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• Suddenly, they weren’t just surviving in their home—they were thriving in it.
  

Now, when I call, it’s not out of worry—it’s to talk about the elk they spotted in the yard or to plan a family dinner. They have the dignity of aging in place, and we have the peace of mind we hadn’t felt in years.

A reverse mortgage didn’t just stabilize their situation—it brought relief, safety, and freedom to our whole family.

If you're in Colorado and caring for aging parents, you're not alone. Many families here face the same emotional and financial pressures. But you don't have to choose between helping your parents and protecting your future.

Sometimes, the home that holds a family together can also provide the means to support it.

Let’s talk about how a reverse mortgage could help your family, too—no pressure, just guidance you can trust.

The story you've just read is based on the real-life experiences of homeowners right here in Colorado. While Carol's name and some details have been changed to protect her privacy, her journey is a true one.

This story isn't about a financial product; it's about finding a solution. It's about taking control, securing independence, and having the financial breathing room to live retirement without constant worry. It's about having the resources to be there for your family and enjoy the lifestyle you've worked so hard to build.

A Home Equity Conversion Mortgage (HECM) is a loan secured by your home. It must be repaid, and failure to meet loan obligations, such as paying property taxes, homeowner's insurance, and maintaining the home, can result in foreclosure.