HECM Reverse Mortgage Standby Buffer Solver

Underwrite non-callable, compounding credit lines on primary home equity (age 62+), preventing forced equity selling during bear markets and prolonging retirement portfolio longevity.

Home Equity & Initial Line

Primary Home Current Market Value ($)

Initial Available HECM Credit Line ($ - typically ~45% of home value)

Guaranteed Unused Credit Line Growth Rate (% - Note Rate + 0.5% MIP)

Years of Growth (e.g. 15 Years)

Credit Line Growth & Portfolio Buffer

Guaranteed Available Credit Line Capacity

$899,235 Available Line

Total Compounded Borrowing Capacity Growth

+$561,735 Guaranteed Growth

Sequence of Returns Protection

100% Tax-Free Draw Capacity (Zero Forced Portfolio Selling)