Turn your home into a reliable financial resource — without selling or downsizing.

Retirement should be a time of freedom — not financial worry.

But if your savings, pension, or Social Security checks aren’t stretching as far as you hoped, you’re not alone. Many retirees find themselves house rich but cash flow poor — with plenty of equity, but not enough income.

👉 A reverse mortgage (HECM) can change that.

This option can provide a significant boost to your financial stability and is a great way to ensure a comfortable lifestyle through reverse mortgage retirement income.

With a reverse mortgage retirement income, you can enhance your financial situation while enjoying your golden years.

It lets you convert a portion of your home’s equity into tax-free income — without giving up ownership or taking on a monthly mortgage payment.

Here’s how it works.

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✅ What Does It Mean to “Supplement” Retirement Income?

💰 Understanding Reverse Mortgage Retirement Income

A reverse mortgage lets you receive monthly payments, a lump sum, or a growing line of credit — based on your home’s value and how much equity you’ve built.

This money can be used for:

• Monthly bills and essentials
• Healthcare or in-home care
• Travel, family support, or bucket list goals
• Avoiding early withdrawals from retirement accounts
• Peace of mind when markets are down

💡 The key? You’re not borrowing money you’ll repay monthly — the loan balance only comes due when you sell, move out, or pass away.

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🔁 Payment Options to Fit Your Lifestyle

You can choose:

• ✅ Monthly payouts for reliable income
• ✅ Line of credit you can tap anytime (and it grows over time)
• ✅ Lump sum upfront (great for paying off debt or big expenses)
• ✅ Combination of the above

This flexibility allows you to build a strategy that complements your other retirement income sources.

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📊 How It Improves Retirement Cash Flow

Imagine:

• No more monthly mortgage payments
• An extra $500–$1,000+/month in income
• Lower withdrawal pressure from your 401(k) or IRA
• Emergency cash on hand — without selling investments at a loss

You’re not just unlocking cash — you’re building resilience and breathing room.

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🛡️ Reverse Mortgage = Protected Income

Unlike market-based investments or HELOCs:

• HECM proceeds are not taxable
• You can’t lose access to your line of credit due to market changes
• Your home stays in your name
• You’re protected by federal safeguards and FHA insurance

✅ Even if your home value drops, your line of credit cannot be reduced.

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🧠 Who This Works Best For

• Retirees on fixed incomes
• Homeowners with significant equity
• People who want to stay in their home long-term
• Seniors who want options without selling or downsizing

Even if you don’t need cash today, the HECM line of credit can be a standby resource for the future.

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🏢 Why PRMI?

We help retirees:

• Build custom income strategies with reverse mortgage options
• Compare monthly payouts vs. credit lines
• Coordinate HECM with financial advisors and retirement plans
• Make confident decisions with no pressure, no guesswork

We’re not just unlocking equity — we’re helping you protect and enjoy your retirement years.

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👇 Want to See How a Reverse Mortgage Could Add to Your Retirement Income?

We’ll review your home value, current income, and goals — and show you exactly how much monthly cash or credit line you could access.