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Episode 24: Reverse Mortgage vs Selling the Home. Which Option Actually Makes More Sense?
Truss Talk
Deciding whether to sell your home or take out a reverse mortgage is one of the most critical choices retirees face. While selling lets you pocket a lump sum, it forces you to solve your housing situation immediately. A reverse mortgage lets you age in place and tap your equity, but it comes with unique qualification and cost structures.
In this episode of The Truss Financial Podcast, Jeff and Jason break down a clear-eyed financial and lifestyle framework to help you compare both options side by side. They dive into the real net proceeds of selling after commissions and taxes, the strategic benefits of using home equity to preserve liquid investment portfolios, and the specific scenarios where downsizing is the smarter move.
In this episode, you’ll discover:
Net Proceeds Reality: Why selling costs, closing fees, and capital gains taxes mean headline home values aren't what actually land in your bank account.
The Equity Access Gap: How reverse mortgage principal limits (typically 40%–55%+ of home value depending on age) compare to outright sale proceeds.
When Selling Wins: Why high maintenance needs, relocating closer to family, or short-term hold plans (under 5–7 years) point toward selling.
Preserving Retirement Assets: How structuring a reverse mortgage as a monthly payment stream protects your stock portfolio from forced liquidations.
The "Life-First" Principle: Why housing preferences and health goals should dictate your financial strategy, not the other way around.
Get in Touch with Truss Financial Group
Wrestling with whether to stay in your home or sell? Let our team help you run the numbers both ways so you can make an informed decision for your retirement with zero pressure and no impact on your credit score:
Toll-Free Phone: (888) 878-7715
Strategy Session: trussfinancialgroup.com/contact
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