Your Mortgage and Retirement

retirement street signImagine ten, fifteen, or even 20 years from now.  You are just coming down off the excitement of your pre-retirement party.  Your co-workers, friends, and family have left.  The helium balloons are hovering half-way between the floor and ceiling, while confetti and silly string create a nightmare for the cleaning crew.

Then it hits you.  In a few short months, you will be on a fixed retirement income.  Yet, you still have ten or fifteen years left on your 30-year mortgage.  Years ago when you obtained this mortgage, you had a vague goal of having no mortgage when you retired.

Now, you’re scrambling with your financial planner to determine how long your retirement “nest egg” will last since you must withdraw more each month than originally planned due to the still-existing mortgage payment.

How does this happen?  Simple.  Your mortgage and your mortgage repayment plan wasn’t a key part of your retirement planning. 

So the questions you now have are:

  • Should I refinance my mortgage to a shorter term that matches my retirement age goal?
  • Or, do I figure out how much extra to pay each month to ensure my current mortgage is paid off in time for retirement?
  • Which of these is best, and how will changing my repayment plan impact the rest of my financial goals?

Yes, like all mortgage companies, we get paid when we close mortgages for our clients.  That’s how we get paid, but it’s not what we DO.  What we do is help homeowners achieve a safer, better financial future.  And that’s really the ultimate goal for everyone, isn’t?

Introducing The RepaySMART Review™ from Aspire Mortgage Group

The RepaySMART Review™ is an exclusive (and complimentary) planning process we have designed to help homeowners pay off your debt faster and more effectively, while helping you integrate your mortgage into your short and long-term financial goals. 

The result?  A clear PLAN to be debt free, improve monthly cash flow and savings, and build a path to a better financial future.

Contact your preferred Aspire Mortgage Specialist now to schedule your complimentary RepaySMART Review™.  We will collect the current liability details needed from you, and then create a customized repayment plan that will provide you the path, and confidence, to achieve total debt freedom sooner and easier!  The entire process takes about 15 minutes.


What do we charge for this?  Nothing.  Again, this is a complimentary service we offer to improve the lives of every homeowner.   In return, we know that by helping you in such a uniquely valuable way, you and everyone you know will come to us for your mortgage financing needs when the time comes!

About Trevor Hammond

Trevor Hammond, NMLS# 74846 Division Vice President, Neo Home Loans 📞 (503) 680-5360 📧 📍 4380 S Macadam Ave, #150, Portland, OR 97239 🌐 Connect with me on LinkedIn:
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