A Reverse Mortgage for Purchase (H4P) is one of the most powerful tools available to seniors aged 62+.

✔ What It Allows You To Do

• Buy a home with no monthly mortgage payments
• Use equity from your current home + a one-time down payment
• Increase purchasing power without increasing monthly expenses
• Keep more cash on hand for retirement, healthcare, and lifestyle

✔ Ideal For Seniors Who Want

• A nicer or newer home without monthly payments
• To downsize without tying up all of their cash
• A low-maintenance, one-story, or accessible home
• More financial flexibility in retirement

✔ How The Nestwell Group Helps

We connect you with trusted reverse-mortgage professionals, help you understand the process, and guide you through selecting the right home that meets HECM program requirements.

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Many seniors have strong assets but limited monthly income.

Traditional mortgage qualification may not reflect their true financial capacity.

✔ Asset-Based Loans Count Your Assets, Not Your Paycheck

Instead of relying solely on retirement income, lenders use:

• Investment accounts
• Retirement savings (IRA, 401k)
• Pensions
• Trust funds
• Cash reserves
• Annuities
• Liquid assets
  

They convert your assets into an income-equivalent to help you qualify.

✔ Ideal For Seniors Who

• Are recently retired
• Don’t want to cash out investments
• Have significant savings
• Want to maintain liquidity
• Need flexibility for tax planning

✔ How We Assist

The Nestwell Group partners with lenders who specialize in senior-friendly underwriting and can structure loans based on assets rather than employment.

For seniors who own investment property, a 1031 exchange can allow them to:

• Defer capital gains taxes
• Reposition assets into properties better suited for retirement
• Transition to lower-maintenance investments (e.g., single tenant, income-producing properties)
• Increase cash flow or reduce management responsibilities

​This strategy is ideal for seniors wanting to simplify without losing equity.

Bridge loans allow seniors to:

• Buy their next home before selling their current one
• Move at their own pace (important for health or mobility needs)
• Avoid temporary housing
• Reduce stress for seniors who may need more time packing and moving

​The Nestwell Group manages both sides of the process to keep things streamlined.

Through certain partners, seniors can:

• Make a competitive cash offer on a home
• Move quickly when the right property becomes available
• Sell their existing home after they've moved
  

This reduces stress, bidding pressure, and logistical challenges.

Many seniors sell a larger home and use the equity toward their next property. But even if they want to preserve savings, they can combine:

• Sale proceeds
• A small traditional mortgage
• A home-equity product (in some cases)
• Assistance from family members
  

​We build strategies that protect long-term financial comfort.

More seniors are choosing to live with or near family. Options include:

• Buying a home jointly with children
• Co-signing arrangements
• ADUs or in-law suites
• Homes with dual-primary suites
• “NextGen” or multigenerational floorplans
  

We help families navigate financing, ownership structure, and choosing the right floorplan for aging in place.

While retirement accounts typically can't be borrowed from after a certain age, seniors can still structure their purchase using:

• Required Minimum Distributions
• Annuity disbursements
• Partial asset liquidation
• Trust-managed cash flows
  

We work with your financial advisor to coordinate a purchase strategy that supports your long-term retirement plan.