Financial blogger Michael Kitces addresses the relative merits of traditional amortizing and reverse mortgages in retirement in this article. While traditional mortgages, with today's low 30-year interest rates, can offer a strategy to leverage the household balance sheet, if equities don't perform as expected, they may turn into a liability. Kitces suggests that reverse mortgages, with no cash flow obligations, may offer a solution, but he warns against the higher upfront and ongoing borrowing costs.

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