Every one of our client's situation is unique. There are no out-of-the-box solutions when it comes to navigating retirement. If you're a senior homeowner and are interested in how you might benefit from your home equity in retirement, it's more than likely that we will be able to help. 

Below, you will find our two core offerings.  The first, Safe Stay, is designed for those with low outstanding mortgage balances to secure retirement in their home.  The second, Safe Lease Back, is designed for those who need to access a larger share of their home equity upfront.


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Safe Stay

Your benefits

  • Irene buys your home, you retain the right to live in it forever
  • Irene pays you a lump sum upfront
  • Irene pays real estate taxes and maintains insurance 
  • Irene takes care of structural maintenance 
  • If you leave the home, Irene will pay you an additional amount


Best for households that

  • Want the comfort of their homes without the expenses
  • Have low outstanding mortgage balances

 

Example

John received 135k on his $300k home and will never pay for taxes, insurance, and maintenance again.

Situation:  

John is 78, owns a $300K home clear of debt, with roughly $10K a year in expenses for real estate taxes, insurance, and maintenance; as these keep increasing, John is struggling to afford his home. He'd also love to help his daughter buy her first home.

Objectives:

  1. Help his daughter with her down payment
  2. Reduce monthly home expenses

Solution: Irene pays John ~$135K upfront, and then takes care of real estate taxes, insurance and structural maintenance on his home for the rest of his life. If John at some point decides to leave the home, Irene will pay an additional amount. Irene inherits the home upon John’s passing.


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Safe Lease
Back

Your benefits

  • Irene purchases your home and rents it back to you
  • Rent payments are designed to be affordable
  • Irene pays real estate taxes and maintains insurance on the home
  • Irene takes care of structural maintenance for the rest of your life
  • If you leave the home, Irene will pay you an additional amount

 

Best for households that

  • Need to access a larger share of their home equity
  • Have higher outstanding mortgage balances