Equity Release Timeline Planner
Plan your equity access strategy from age 55 to 70. See when each option unlocks, how waiting affects your proceeds, and what Medicare interactions to watch.
How It Works
Different equity products unlock at different ages. 55: Proprietary reverse mortgages (limited). 62: HECM reverse mortgages open. 65: Medicare kicks in; long-term care planning becomes critical. 70: HECM principal limit peaks. This planner shows your options at each milestone.
Tip: Waiting from 62 to 70 can increase your HECM proceeds by $40,000+ on a $400,000 home. But if you need cash now, a HELOC at 55-61 may be the right bridge.
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