Aging in Place

Use Your Home to Stay at Home

The official reverse mortgage consumer booklet approved by the U.S. Department of Housing & Urban Development

The National Council on Aging (NCOA) is committed to helping older persons maximize all resources, public and private, so that they can be as independent as possible in the residence of their choice.

As people grow older, more and more of them face health or economic challenges that can make it more difficult for them to continue to live in their own homes. For many seniors, their homes are their biggest financial asset. This booklet is designed to help older adults understand and assess the potential range of options, including reverse mortgages, that may be available to them for paying for the services and supports they may need.

James Firman, President & CEO
National Council on Aging

The National Council on Aging is a respected national leader and trusted partner to help people aged 60+ meet the challenges of aging. Our mission is to improve the lives of millions of older adults, especially those who are struggling. Through innovative community programs and services, online help, and advocacy, NCOA is partnering with nonprofit organizations, government, and business to improve the health and economic security of 10 million older adults by 2020. Learn more at and @NCOAging.


Like most Americans, you probably want to stay in your home as you grow older. However, as it gets harder to do things on your own, you may need a helping hand with everyday tasks. It can be costly to pay for help at home, along with home modifications and other health needs. For many people, these extra costs are a real burden.

Older Americans often hold onto their homes as a nest egg in case they need extra money. But when that rainy day arrives, how do you make use of that home value?

One option is to sell the house and move. There is another option that would allow you to continue to live in your hometapping the stored value of your home with a loan. Home equity is the difference between the appraised value of your home and what you owe on any mortgages. A reverse mortgage can allow you to convert some of that home equity into cash so that you can stay at home.


Click here to download the complete brochure and get all the information you need about using your home to stay at home.

Questions? Contact us now!