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-J- ---~------.~ "...i-~-.-.- - iPro Realt Ltd., eroerage 55 Ontario St Unit A1A. M-ilton 905-693-9575 Toi Free: 1 -877-306-IPRO (4776) iPro Réalty is OntaWos Prmiîer Real Estate Brokerage with over VISIT AN OPEN HOUSE THIS WEEKENDI SHOUL 1 UNM OE QIYI As a Mortgage PIanner, I arn often asked whether tapping into the equity in their home is the rlght way ta retain financial independeruce when retirement funds run low. To ses if this option mlght b. a good fit for you, consider if you agree with the following statements: eStaying in my home is critical ta the quality of my retirement iffestyle. *The idea of renting instead of owning a home bothers me. * My income consÎstently fails short of ongoing expenses. * 1 expeot my retirernent savirigs ta run out within the next few years. 1I arn comfortable with using the value of my house to fund retirement. If you answered mostly 'yes', a reverse mortgage lk. the nationaly accestible CHIP Home Incarne Plan from HornEquity Bank may b. a solution that meets your need. Here are some highlights of the program: " If you have reached age 55, you may b. eligible for CHIE It lets you convert Up ta 50 per cent of the equity in your home into tax-free cash. "*Unhike other bans on the market, there are no credit or incarne qualifications and you are flot required to service the interest, or repay the principal until you choose to move or seli. oit la also guaranteed that you will neyer have ta repay more than the fair market value of the house at the time of the sale. According ta HomEquity Bank, when polled by the Brondesbury Group this year, 78 per cent of CHIP customers said they would recommend a reverse mortgage ta others as a cash-flow solution. As a Mortgage Planner, it's been my experience that clients who choose ta pursue this course of action do improve their day-to-day cash flow and are glad ta be rid of their money problems in the long mun. But this product la not for everyone, s0 looking at your individual circumstances and recommending the right course of action ta help structure a retirement plan that meets your needs is important. if you'd like mare information on how ta use home equity effectively in retirement, contact me. JoMhn Cama, à an Appiovpd ýmor~ PW;nne' u'etMortgag.Arhitect. Mortgage qutions and comcemscan be direcWe to John Cavantçoffice, located at 14 Martin St., Milton. John can be reached by phonc 905478.721?.or bsj ooml, n.cavmar~c. aM Cavnt u'*Wto e ta vswsrej wm .cq. Contact john today about your stress! oee mortgage opportunities.