Find Your Answer in 30 Seconds
Our decision matrix was built to give you clear-cut advice — even if that answer is no. Select your equity level and timeline below.
How much equity do you have?
When Does a HECM Make Sense?
Free & Clear or Large Equity
Your home is paid off or nearly paid off with significant equity, creating the largest possible growing credit line with no payoff drag.
Turning 62 — Best PLF Window
Establishing the LOC at 62 locks in the best Principal Limit Factor before rates or health change. Time is the most valuable asset.
Portfolio Drawdown Protection
You're drawing from investments during a market downturn. Using HECM draws instead protects against sequence-of-returns risk.
Fixed Income Shortfall
Your monthly income doesn't cover expenses. A HECM tenure payment or LOC draws fill the gap without selling your home.
Delaying Social Security to 70
Using HECM draws to bridge expenses from 62 to 70, allowing Social Security to grow 8% per year to its maximum benefit.
Concerned About Outliving Savings
Worried about running out of money in late retirement. The growing LOC becomes a safety net that compounds while unused.
Aging in Place (10+ Years)
You plan to stay in your home long-term. The LOC has maximum time to compound, creating a powerful growing reserve.
Heirs Protection via Non-Recourse
Non-recourse means heirs never owe more than the home's value. They keep any remaining equity or walk away with zero liability.
Tax-Free Retirement Income
HECM proceeds are loan advances, not income — they're tax-free and don't affect your Social Security taxation.
Still Not Sure? Let's Talk.
A 15-minute conversation with our team will give you a clear answer based on your specific situation.