For financial advisors — the standby line-of-credit strategy.

I provide detailed loan analyses tailored to each client's situation, illustrating lump-sum proceeds, lines of credit, monthly payment options, and customized combinations across HECM, proprietary, and other retirement lending solutions. These presentations are designed to integrate seamlessly into your client meetings—clear, concise, and free of mortgage jargon.

For many clients, a reverse mortgage line of credit can serve as an effective buffer asset within a retirement income strategy. Research by Wade Pfau, PhD, and others suggests that strategically using home equity during market downturns—instead of liquidating investment assets at depressed values—may help reduce sequence-of-returns risk and support long-term portfolio sustainability. Because an unused HECM line of credit grows over time, establishing it earlier in retirement can increase future borrowing capacity and provide greater financial flexibility when it's needed most.