Right-Sizing in Retirement: Could a Reverse Mortgage Help You Buy Better, Not Just Smaller?
As retirement approaches—or unfolds—you may find that the home that once fit your life perfectly… just doesn’t anymore.
Maybe the stairs are becoming a daily challenge.
Maybe the cost and effort of maintaining a big house no longer makes sense.
Or maybe you just want to be closer to your kids, friends, or the services you rely on.
Whatever your reason, you’re not alone. Many seniors are making the move to “right-size” their living situation—and they’re using a powerful but often overlooked tool to do it: a reverse mortgage for purchase.
What Is Right-Sizing?
Right-sizing isn’t just about moving to a smaller home. It’s about moving to a better-fitting one.
In a recent study, seniors cited their top reasons for downsizing:
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59% wanted to save money
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38% said their current home was too big
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36% found it too hard to clean or maintain
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Others wanted to reduce stress, clutter, or be closer to loved ones
In New Hampshire, I hear the same motivations all the time. After decades in the same house, many homeowners are “house rich but cash flow poor.” Their home holds incredible value, but it’s locked up in equity they aren’t accessing—yet.
Buy Better with a Reverse Mortgage
With a reverse mortgage for purchase, you can:
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Sell your current home
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Buy a new one that meets your needs
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Avoid monthly mortgage payments
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And possibly even keep some proceeds from your sale in savings
Imagine moving to a single-level home with no stairs, lower upkeep, and energy-efficient systems—without draining your retirement accounts or taking on new monthly debt.
That’s the power of right-sizing with a reverse.
Who Might This Be Right For?
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Someone who wants to stay independent and live in a home that supports aging in place
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A couple downsizing after the kids are grown and gone
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A widow or widower looking to start a new chapter in a new community
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Anyone who wants to improve cash flow and preserve savings while still owning a home
The reverse mortgage used for purchase can make all this possible—while still keeping the home in your name.
Why Talk to a Local Expert?
Reverse mortgages are complex—and not every lender takes the time to help you understand how the process works. I’ve spent over 30 years in the mortgage business, and I specialize in helping New Hampshire homeowners decide whether a reverse mortgage is right for their goals.
Whether you want to age in place, move closer to family, or just enjoy a home that better suits your life today, I can walk you through the options with no cost, no pressure, and no obligation.
Ready to Explore What’s Possible?
Let’s talk about whether right-sizing with a reverse mortgage could work for you.
Call or text me at 603-345-5644
Or click Get a Quote for your personalized reverse mortgage report
About the Author
Renee Duval, a dedicated New Hampshire reverse mortgage specialist with over 30 years of experience, is a true student of all Senior Matters, from reverse mortgages to aging in place—because Seniors Matter. With her deep understanding and personalized approach, Renee is here to help you explore whether a reverse mortgage is right for your unique needs.
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