🩺 The Home Equity Check-Up
You get your health checked every year. When did you last check your equity?
The home equity check-up is Kelly’s signature appointment: a friendly, no-cost, no-obligation review of your home’s equity and what it could realistically do inside your retirement plan. You’ll leave knowing your estimated available funds, how a line of credit would grow for you specifically, what your obligations would be, and whether any of the strategies on this site actually fit your situation — including the very possible answer “not yet” or “not ever.” Kelly is an educator first: no pressure, no jargon, and your family or advisor is welcome in the room.
Is this you?
This strategy tends to fit…
- Anyone 62+ (or turning 62 soon) who has never priced out their housing wealth
- Adult children helping parents evaluate options with a trustworthy educator
- Financial advisors who want real numbers on a client’s housing wealth
- Skeptics — genuinely. Kelly’s favorite check-ups start with “convince me.”
Questions people actually ask
The Home Equity Check-Up: straight answers
What happens at a home equity check-up?
Kelly reviews your home value, any current mortgage balance, your age(s), and your goals — then walks you through what a HECM, RELOC, or H4P would actually look like for you: estimated available funds, line-of-credit growth over time, costs, and obligations. Plain English, real numbers, all questions welcome.
What should I bring?
Just a rough idea of your home’s value and any mortgage balance — Kelly can help estimate both. Bring your spouse, your adult kids, or your financial advisor if you’d like; Kelly encourages it. Big decisions are family decisions.
Is there any cost or commitment?
None. The check-up is free, and most of Kelly’s check-ups don’t turn into loans — they turn into understanding. If a reverse mortgage isn’t right for you, you’ll hear that directly from her.
How do I schedule?
Call or text Kelly at 605-376-3482, email [email protected], or use the scheduling link on her Fairway profile. In person around Sioux Falls, or by phone and video across her six-state Upper Midwest footprint.
Keep exploring
Eliminate Your Monthly Payment
Use a HECM to pay off your current mortgage and retire the required monthly principal & interest payment for as long as you live in your home.
Learn more →The RELOC: A Growing Line of Credit
A reverse mortgage line of credit gives you a credit line whose unused portion grows over time by program rule — with no required monthly mortgage payment.
Learn more →Right-Size with the H4P
The HECM for Purchase (H4P) lets you buy your next home with a substantial down payment — and no required monthly mortgage payment on the rest.
Learn more →Wondering if this fits your plan?
That's literally what the home equity check-up is for. One friendly conversation, your real numbers, zero pressure — bring your family or your advisor.