Education-First Guide for Homeowners 55+, Families & Advisors

The Reverse Mortgage Playbook

Smart strategies for financial freedom in retirement — explained in plain English, without pressure.

Why I Wrote This Playbook

Reverse mortgages are often misunderstood because of outdated horror stories. This playbook explains how modern programs actually work — when they make sense, when they don’t, and how to evaluate them as part of a bigger retirement strategy.

No pressure. No sales pitch. Just clarity.

What You’ll Learn

  • How reverse mortgages really work — and how they’ve changed
  • How to access tax-free cash from your home equity
  • Ways to delay Social Security, pay off debt, or supplement income
  • Why reverse mortgages are not a last resort
  • Real-life examples and decision-making guidance

FAQ

Do I lose ownership of my home?

No. You remain on title and retain ownership as long as loan obligations are met.

Can my heirs keep the home?

Yes. Heirs can refinance, sell, or pay off the balance.

Is this only for people who are struggling?

No. Many financially strong households use reverse mortgages strategically.

Do I have to take monthly payments?

No. Funds can be structured in multiple ways.

Want to Talk Through Your Situation?

Schedule time below if you’d like to walk through your options or ask questions.


Your trusted mortgage partner in Central Texas.

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Austen Smith | Certified Mortgage Planning Specialist | NMLS# 265697
Barton Creek Lending Group | NMLS# 264320

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