30-Year Projection · $500K Home · Age 65 · Smart Way Setup
The Growing Line of Credit — Untouched, Tax-Free, Every Month
Green = Tax-free line of credit available · Grey = Loan balance (near zero) · Home: $500K · Rate: ~7.7% · No draws, no payments
Age 70 · Year 5
$268,071
Available tax-free · Nothing touched
Age 75 · Year 10
$388,444
Still no payments required
Age 80 · Year 15
$562,869
Over half a million. Tax-free.
Age 85 · Year 20
$815,616
Nearly $1M without lifting a finger
$1,181,855
Available tax-free at age 90 · Over $1.7M by age 95 · Contractually guaranteed
❌ Without a HECM
Equity sits locked in the home — growing nowhere
In your 80s, need funds? Sell investments at market lows, pay capital gains
Need care? Liquidate assets, burden family, or spend down to qualify for Medicaid
Withdrawals trigger Social Security taxation and IRMAA premium increases
No flexibility. No backup. Just hope things work out.
✅ With the HECM Smart Way
$185,000 line of credit starts growing day one — no action required
By 85: $815,000 tax-free. By 90: over $1.1M. Available 48-72 hrs.
Need care? Draw tax-free — no selling, no capital gains, no IRMAA impact
Can never be shut down, cancelled, or reduced. FHA insured for life.
You stay on title. Heirs never owe more than the home is worth.
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The Smart Way setupClosing costs are paid from savings at closing instead of rolled into the loan. That moves money from a 2% savings account into a 7%+ compounding, tax-free line of credit. Loan balance starts at $100 — the GLOC is open forever.
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It compounds whether you touch it or notThe unused line of credit grows at the same rate as the loan would grow against you — but in your favor. You don't have to draw from it. You just have to set it up early enough.
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Can never be shut downNo re-qualifying. No credit checks. No application when you need it. Contractually guaranteed until your 150th birthday. Minimum growth rate of 2.25% — it can never go to zero.
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You stay on title. Heirs are protected.You remain the owner. Your heirs can sell the home, pay off the loan balance, and keep everything above it. FHA insurance covers any shortfall — they can never owe more than the home is worth.
What Would Your Numbers Look Like?
Answer a few quick questions and Rob will personally review your scenario with a free custom analysis — tailored to your home, age, and goals. No application. No obligation.
Step 1 of 6
What best describes your situation right now?
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I own my home free and clearNo mortgage, just equity sitting there
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I still have a mortgageI'd like to see how this works with a remaining balance
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Researching options for the futureNot ready yet, just learning
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Helping a parent or family memberExploring on someone else's behalf
Step 2 of 6
Tell us about the property.
Step 3 of 6
Tell us about the borrower(s).
Step 4 of 6
Any other liens or HELOCs besides your main mortgage?
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NoNo other liens or HELOCs
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YesI have additional liens/HELOCs
Step 5 of 6
What's your biggest question about this strategy?
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What happens to my home / heirs?
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Is this right for my financial situation?
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How does the Growing Line of Credit work?
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Just want to see my numbers
Last Step
Where should Rob send your free analysis?
Your information stays private. Rob will personally follow up within 1 business day. No obligation, no pressure, just a clear look at your numbers.
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You're All Set!
Rob will personally review your situation and reach out within 1 business day with a free analysis tailored to your numbers.