Golden Lifestyle

Golden Lifestyle: Your Affordable Dream Home Awaits

An exclusive opportunity for seniors to achieve their homeownership dreams with the Home Equity Conversion Mortgage for Purchase (H4P) program.

Why Choose H4P?

The H4P program is specifically designed to help seniors aged 62 and older purchase the home or condo of their dreams while keeping more money in their pockets.

Here’s what makes H4P a game-changer:

  • Low Cash Investment: Use a portion of your savings or proceeds from the sale of your current home as a down payment—no need for a hefty upfront cash requirement.
  • No Monthly Mortgage Payments: Enjoy financial freedom with no mandatory monthly mortgage payments.*
  • Age-Friendly Features: Choose a home that suits your lifestyle and accessibility needs without worrying about affordability
  • Flexible Qualification: Tailored for retirees with a variety of income levels and credit situations.

How It Works

  • Qualify: Applicants must be at least 62 years old and meet eligibility criteria such as credit score, debt-to-income ratio, and property value.
  • Choose Your Home: Work with real estate professionals to select a home that fits your lifestyle and budget.
  • Finance Smartly: Combine a one-time down payment with funds from the H4P program to cover the rest of the home purchase.
  • Move In and Relax: Enjoy your new home while preserving financial security.
  • Homeowner retains title

Who Benefits Most from H4P?

  • Downsizers: Transition from a larger property to a more manageable one.
  • Lifestyle Seekers: Move closer to family, warmer climates, or senior-friendly communities.
  • Financial Planners: Preserve savings by avoiding large mortgage payments

Trusted Experts to Guide You

Rock Planck
Reverse Mortgage Specialist
NMLS 330410
O: 463.213.3057
M: 317.660.1739
rock.planck@ccm.com
ccm.com/rock-planck

Angela Delise
Broker & Team Owner
Home Living Team,
Keller Williams Indy Metro North
M: 317.847.1207
angela@homelivingteam.com
homelivingteam.com

All loans are subject to underwriting approval. Borrowers must meet minimum credit score, loan-to-value, debt-to-income, and other requirements to qualify. For full details, visit CrossCountry Mortgage Disclosures.

*No monthly mortgage payments required; however, the borrower must continue to pay for property taxes, homeowners insurance, and maintain the property.