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April 11, 2013

Can You Turn Home Equity Into Retirement Income?

Rocco A. Carrieroby Rocco A. Carriero
in Real Estate
Home Real Estate

The long-struggling housing market is finally showing signs of recovery, giving many homeowners more equity in their properties. This encouraging trend is likely prompting more pre-retirees to consider if, and how home equity can be turned into a source of cash to help fund their retirement.

There was a time when owning a home with little or no outstanding mortgage balance was considered a potential financial bonanza for those in retirement. For years, home values moved higher, sometimes dramatically so. But starting in 2006, the bottom fell out of the housing market. Home equity was decimated and homeowners changed their expectations about the role equity can play in retirement.

Even with a lower value, home equity continues to represent one of the biggest assets for many Americans. It may play an even more important role when retirement savings come up short of expectations. Some already retired or approaching retirement feel like they have little choice but to tap the equity theyโ€™ve built in their home to support their cash flow needs throughout the rest of their lives.

The question then becomes how to do it. There are a variety of options available, but the right answer for you may depend on what plans you have for living arrangements in the future and many other factors.

Finding the Most Realistic Solution: There are risks in assuming that the equity youโ€™ve built up in your home will be a guaranteed source of income in retirement. For starters, you will always need a place to live, so you canโ€™t assume the full value of a home is at your disposal. Here are three primary options those in retirement generally consider:

Home Equity Lines of Credit (HELOC): Americans became accustomed to tapping their equity through HELOCS in the last 30 years, and though it is a reasonable option for an employed individual, it may be less practical for someone in retirement. HELOCs need to be repaid, and using the proceeds from a home equity loan to help fund retirement income needs often means taking on interest costs in order to generate that income. Itโ€™s important to note that an individual puts a lien on their home by taking a HELOC (second mortgage), and risks losing it should he or she fail to repay under the terms of the loan.

Reverse Mortgage: An alternative that has become popular with many retirees is to use a reverse mortgage. This allows a homeowner to tap into the equity of the home while still occupying it. A reverse mortgage provides payment to homeowners for the bulk of the value of their homes via a lump sum, a line of credit or periodic payments. In essence this is a loan to the homeowner paid back when the house is sold at some future date. However, interest accrues throughout the duration of the loan and upfront fees apply, so it can be expensive.

A standard reverse mortgage, also called a Home Equity Conversion Mortgage, charges a two percent mortgage insurance premium on the full value of the home. The government now offers a lower cost โ€œSaverโ€ loan with a mortgage insurance premium of just 0.01 percent of the homeโ€™s value, but applying a higher interest rate. Over time, the combination of fees and interest charges can significantly deplete the value of the homeโ€™s equity as it applies to income needs. Individuals who qualify for a reverse mortgage must also be at least 62 years old. The older a retiree is, the more he or she can receive from the homeโ€™s equity. Understanding the complicated terms of a reverse mortgage before signing on the dotted line is crucial.

Selling Your Home and Downsizing: The other way to tap a homeโ€™s equity is to sell it. Many retirees find they are ready to โ€œdownsizeโ€ their living quarters to a smaller home, townhome or condo. If the market is right, they can sell their existing home, buy a new place and have equity leftover to add to their retirement nest egg. Alternatively, they can pocket the full proceeds from the home sale and rent their living quarters or explore other living options. This will greatly bolster their retirement savings, but it also adds a new monthly expense they will need to fund throughout the rest of their retirement.

Home equity offers great potential value in retirement but, like any investment, is subject to the fluctuations of the market and may have tax consequences. If you plan to tap your homeโ€™s value to support your retirement, proceed with caution. Remember that the primary function of your home is to provide a roof over your head, and using equity to fund retirement requires careful planning.

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  • Check out the Top Hamptons Events This Weekend!โ 
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๐Ÿ“… Friday, May 30, 2025โ 
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๐Ÿ”— [Click Link in Bio for Event Info]โ 
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๐Ÿ“… Sun, June 1, 2025โ 
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  • Nearly two years after its debut, El Verano offers a taste of upscale Mexican cuisine in a setting inspired by the charm of vacation summer homes in Mexico. Customers enter a vibrant space filled with beautiful greenery and colorful decor as they enjoy dishes rooted in the heritage of acclaimed chef Julian Medina.โ 
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Medina grew up in Mexico City, where his love for cooking first began. In pursuit of his career, he moved to New York City, where he graduated from the French Culinary Institute. Noticing a lack of refined Mexican dining in Southampton, Medina created El Verano to bring the bold flavors of his roots to the area. Blending Mexican coastal charm with rich culinary traditions, El Verano brings something new to the Southampton dining scene.โ 
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Medina shared some of his signature dishes, journey through the cooking field, and highlighted El Veranoโ€™s fresh and locally sourced ingredients that shape each creation.โ 
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Read the interview at Hamptons.com (Link in Bio)โ 
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#elverano #dining #southampton #mexicancuisine
  • NAMIRO made its Southampton debut in style on May 17 with a ribbon-cutting ceremony and VIP cocktail preview, joined by Mayor Manger. Guests enjoyed signature bites and high-energy vibes at this invite-only event.โ 
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Conceptualized by music and hospitality heavyweights, NAMIRO Sushi is more than a restaurantโ€”itโ€™s where sleek design, elevated Asian cuisine, and nightly celebration collide. Located at 76C Jobs Lane in Southampton, NAMIRO opened its doors to the public on May 21 and is open seven days a week, year-round.โ 
โ 
๐Ÿ“ธ: Rob Rich/SocietyAllure.com ยฉ2025 โ 
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Check out the gallery at Hamptons.com (Link in Bio)โ 
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๐Ÿ“… Saturday, May 24 | ๐Ÿ•“ Doors at 4PM

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๐Ÿ“… Fri, May 23 โ€“ Sat, May 24 | ๐Ÿ•“ 4โ€“9PM

๐ŸŽจ Dolce Vita Pop-Up in Southampton
๐Ÿ“ 95 Main Street, Southampton, NY
๐Ÿ“… Fri, May 23 โ€“ Sun, May 25 | ๐Ÿ•š 11AMโ€“3PM
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๐Ÿ‘œ Landsโ€™ End x Round Swamp Farm
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๐Ÿ“… Fri, May 23 โ€“ Sat, May 24 | ๐Ÿ•ฃ 8:30AMโ€“6PM
Get a custom tote with any $200+ purchaseโ€”1 per customer.
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๐Ÿ“ 161 Main St, Amagansett, NY
๐Ÿ“… Saturday, May 24 | ๐Ÿ•ฅ 10:30PM
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๐Ÿ“… Starts May 23 | ๐Ÿ•— 8AMโ€“5PM
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๐Ÿ“ 158 Main St, East Hampton, NY
๐Ÿ“… Sunday, May 25 | ๐Ÿ•— 8โ€“11PM
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๐Ÿช Kites for Kids Benefit at Main Beach
๐Ÿ“ 101 Ocean Ave, East Hampton, NY
๐Ÿ“… Saturday, May 24 | ๐Ÿ•‘ 2โ€“5PM
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Tap the link in bio for info!
  • My curiosity piqued when I saw the new, shovel-ready plans at 28 Pepperidge Lane in Amagansett. Included with this nearly two-acre property, are sophisticated and luxurious plans by the firm Resolution: 4 Architecture (RES4). New construction in the Hamptons isnโ€™t easyโ€”but what if your dream home could be architect-designed and delivered directly to you? What is the latest in prefab architecture in 2025?โ 
โ 
To explore this intriguing approach further, Scott connected me directly with Robert Luntz, the co-founder of RES4. See our conversation on redefining luxury through modern modular design, its growing relevance in the Hamptons, and the future of high-end prefabrication.โ 
โ 
For more information about the plans in place at 28 Pepperidge Lane, Amagansett, contact Scott Bradley.โ 
โ 
RES4 has been a pioneer in modern prefab architecture. What inspired you to focus on this method of construction?โ 
โ 
Weโ€™ve spent over two decades innovating ways to deliver exceptional, modern homes efficiently and affordably. Our modular methodology uniquely allows us to combine luxury, precision, and accessibility, transforming the landscape of high-end housing by delivering refined design to a broader market.โ 
โ 
@resolution4architecture @hamptons_waterman_lifestyle @hamptonsrealestateโ 
โ 
โ 
Read the full interview at Hamptons.com. (Link in Bio)โ 
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#architecture #hamptons #hamptonsrealestate #luxuryโ 
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โ 
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โ 
The event honored two inspiring individuals for their outstanding advocacy and dedication to animal welfare: Martha Stewart, iconic lifestyle entrepreneur and lifelong animal champion, and Dr. Dan Belkin, leading dermatologist and passionate rescue animal advocate.โ 
โ 
Set against the stunning waterfront views of Pier Sixty, the gala brought together philanthropists, celebrities and compassionate supporters to champion NYC Second Chance Rescueโ€™s mission. The night featured a special live performance by Rob Thomas, a special appearance by Georgina Bloomberg, a lively auction led by celebrity host Elvis Duran, host of Elvis Duran and the Morning Show on Z100, surprise guest Alexandra Daddario, and a high-energy DJ set by GEO ROC that kept guests dancing for a cause.โ 
โ 
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๐Ÿ“ธ: Sylvain Gaboury/PMCโ 
โ 
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Check out the full gallery at Hamptons.com (Link in Bio)โ 
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#secondchancerescue #nyc #marthastewart #robthomas โ 
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