9-27-26 - Is a Reverse Mortgage Right for You with Cheryl from Barrett Financial

Reverse Mortgages & Retirement Planning: Could Your Home Equity Be Part of the Plan?

What if your home equity could be part of the conversation when planning for retirement?

In this episode of Is A Reverse Mortgage Right for You?, Cheryl Scheidell, Reverse Mortgage Specialist with Barrett Financial Group, is joined by Tammy Semler, Founder and Advisor at Lighthouse Retirement Services, for a conversation from both the reverse-mortgage and financial-advisor perspectives.

Rather than looking at a reverse mortgage as a standalone mortgage product, Cheryl and Tammy discuss how home equity may fit into a homeowner's broader retirement strategy—including cash flow, liquidity, investments, and long-term goals.

In This Episode, We Discuss:

• Reverse Mortgage Basics — How a reverse mortgage differs from a traditional mortgage and what homeowners should understand about ownership and ongoing responsibilities.

• Home Equity & Retirement Cash Flow — What it can mean to be "house rich but cash flow poor" and how accessing home equity may provide additional financial flexibility.

• The "No Monthly Mortgage Payment" Question — What that phrase actually means and which housing expenses homeowners remain responsible for.

• Why Financial Advisors Should Understand Home Equity — How home equity can be considered alongside investments, Social Security, pensions, annuities and other retirement resources.

• Market Downturns & Liquidity — How having additional sources of liquidity may provide homeowners with more choices when managing retirement assets.

• Heirs & Home Equity — What families should understand about a reverse mortgage loan balance, remaining equity and repayment when the loan becomes due.

• Reverse Mortgage for Purchase — How qualifying older homeowners may use a reverse mortgage as part of the financing when purchasing a new principal residence.

• Who May Consider a Reverse Mortgage for Purchase — Downsizing, moving closer to family, relocating to a retirement community, reducing maintenance, or looking for a different way to structure the purchase of a home.

• Working With Financial Advisors — Why collaboration among the homeowner, financial advisor and reverse mortgage professional can be an important part of the conversation.

The Big Takeaway

The conversation isn't simply about asking, "How much money can I get from my home?"

It's about starting with a bigger question:

"What am I trying to accomplish in retirement?"

From eliminating an existing mortgage payment to creating additional cash-flow flexibility, establishing a line of credit, downsizing, purchasing a new home, or simply understanding available options, home equity can be an important part of the retirement conversation.

A reverse mortgage isn't right for everyone. The goal is education, understanding the numbers, and determining whether it fits an individual's circumstances and retirement goals.

Connect With Cheryl

Cheryl Scheidell
Reverse Mortgage Specialist
Barrett Financial Group

📞 480-817-4324
📧 [email protected]
🌐 ReverseMortgageAndBeyond.com
📺 YouTube: @reversemortgageandbeyond

Cheryl has been in the mortgage business since 2002 and has specialized in reverse mortgages for more than a decade.

Educational conversations. No sales pressure. Just helping you understand your options.

This program is for educational purposes only. Reverse mortgage programs have specific eligibility requirements, terms, costs and obligations. Borrowers remain responsible for property taxes, homeowners insurance, maintenance and other property-related obligations. Individual circumstances vary. This is not a commitment to lend. All loans subject to credit approval.

Barrett Financial Group, L.L.C. | NMLS #181106 | Cheryl Scheidell NMLS #886425 | Equal Housing Lender

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