Yes, It’s a Reverse Mortgage. But Not the One Your Parents Talked About.

If you are 55 or older and still making a monthly mortgage payment, you might be following an outdated map. It’s time to flip the script.

When I talk to homeowners here in Colorado, the "R-word" usually comes up pretty fast. "Is this just a reverse mortgage?" The answer is yes. But here’s the part most people don't realize: The modern version is a wealth-building tool, not a "loan of last resort."

Think about your current mortgage. You signed a 30-year contract designed to pay the lender first. Every month, you make a payment that is mostly interest. That money is gone forever. It's "lazy wealth" locked inside your walls where it can't help you pay for college, handle a medical bill, or grow your savings.

The Senior Homeowners Advantage Plan (SHAP) is a "New Plan" for your home.

Instead of being a debt you have to pay, your home becomes a Standby Engine for your life. Starting at 55, we help you pivot:

• Stop the "Monthly Leak": You stop making mandatory mortgage payments. That cash stays in your pocket today.

• Gain Total Agility: You use those extra funds wherever they are needed most—whether it's building your retirement nest egg or helping your family.

• The "Self-Healing" House: In our Colorado market, your home’s value is likely to keep growing. That appreciation works in the background to help "repay" the equity you’re using.

By the time you reach 62, this plan moves into a final, government-insured phase that guarantees the terms of your loan for as long as you live in your home.

*You are still required to pay property taxes, homeowners’ insurance, and other property-related expenses.

You don't have to be a financial pro to see why this works.

Leading retirement researchers—the people who write the textbooks on how to stay retired—now say that using your home equity early is the smartest move you can make. They’ve found that homeowners who use their equity as a "safety valve" are much more likely to maintain their lifestyle and never run out of money.

We are moving your home from a Monthly Expense to a Lifetime Asset.

Is your home working for you, or are you working for your home?

You’ve spent decades building your equity. It’s time to stop paying the "Interest Tax" and start using your wealth for your family’s future. 

Let’s schedule a brief 15-minute web chat to see if this is the solution for your retirement concerns.