How Home Equity Can Help Fuel Your Retirement

Older couple doing a puzzle on a table

If retirement is on the horizon, now’s the time to start planning for your next chapter. You want to make sure you’re financially secure so you can enjoy the lifestyle you’ve worked hard for.

What you may not realize is that you likely have a hidden goldmine—your home equity. As a local lending expert and owner of Lend Mortgage Solutions, a local mortgage brokerage, I help homeowners unlock the financial potential of their homes every day. Let’s dive into how tapping into your home equity could help you retire comfortably.

Your Home Has Gained Significant Value

Over the past five years, home values have increased by nearly 60%, according to the Federal Housing Finance Agency (FHFA) (see graph below):

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Map of United States showing change in home prices

This appreciation has significantly boosted homeowners’ net worth. Freddie Mac reports:

“Boomer overall wealth increased by $19 trillion, or $486,000 per household, half of which is due to house price appreciation.”

           

Why Downsizing Might Be the Right Move

Selling your current home and downsizing to a smaller home or a more affordable area could be a smart financial move. It allows you to cash in on your home equity while reducing your monthly expenses.

As Chase explains:

“Retirement is an exciting time. Selling your home to take advantage of the equity or to downsize to a more affordable home can open up additional options for your future.”

Here’s how downsizing can fuel your retirement goals:

1.  Lower Your Cost of Living – According to the Data  from AARP, the #1 reason adults 50+ move is to reduce their cost of living. A smaller home means lower utility bills, property taxes, and maintenance costs.

2. Simplify Your Life – A smaller home means less upkeep. That gives you more time and freedom to focus on what truly matters—whether it’s traveling, spending time with family, or pursuing hobbies.

3. Boost Your Financial Flexibility – Selling your home frees up your equity, turning it into cash you can use to pay off debt, invest, or create a financial cushion for retirement.

The First Step Toward Your Next Chapter

If you think downsizing might be the right move, partnering with a real estate agent and a trusted local lender is key.

Your real estate agent will help you:

Understand how much equity you have and how to use it

Find the perfect home that fits your new lifestyle

Navigate the selling process smoothly

As your local lending expert, I’ll help you:

Explore cash-out refinance or HELOC options if you want to stay in your home but still access your equity

Evaluate your mortgage options to see if buying a new home with a smaller loan makes sense

Break down your financing strategy to ensure a smooth transition into retirement

Bottom Line

If retirement is in your 2025 plans, now may be the perfect time to downsize and unlock the wealth in your home. Let’s start planning now so you can transition smoothly into this exciting new phase of life.

Let’s chat about your options and create a plan that fits your retirement goals!

Rya Jacobsma – Your Trusted Local Lender
Lend Mortgage Solutions – Your Local Mortgage Brokerage
209-342-7385
Rya@LendMortgageSolutions.com
www.LendMortgageSolutions.com
NMLS 2299837 | DRE 02168816

Let’s make your golden years truly golden!

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Lend Mortgage Solutions logo in white.
We Lend with confidence,
so you can own with pride.

*This does not represent an offer or solicitation for the sale or purchase of any specific mortgage product from Lend Mortgage Solutions. Eligibility for mortgage loans from Lend Mortgage Solutions is subject to specific requirements, which may include credit score, employment history, income level, and other relevant factors. Please note that meeting these minimum eligibility requirements does not guarantee loan approval. The terms, rates, and conditions of any mortgage loan from Lend Mortgage Solutions may vary significantly based on Lend Mortgage Solutions policies and the applicant's creditworthiness. Before entering into any loan agreement, applicants are strongly encouraged to thoroughly read and understand all associated terms and conditions. Independent financial and legal advice is recommended to fully comprehend the implications and suitability of any mortgage loan product to an individual's specific circumstances. Conditions and exclusions apply. This is not a commitment to lend and is contingent on qualification per full underwriting guidelines.
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50-50 Mortgage Inc. DBA: Lend Mortgage Solutions is a Licensed Real Estate Broker, California Department of Real Estate. NMLS #2289265 DRE #02172716 | Equal Housing Opportunity | For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply.

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