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Stay in the know with this month's edition of RMF's newsletter — Reverse Insider


Maximize your Social Security benefits in 2022 and beyond with our expert guide

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A simple guide for all of your family's questions about your reverse mortgage

Your Reliable Source for Retirement News

Our Retirement News blog is dedicated to your financial and physical health and well-being. 
Whether you're already in or nearing retirement, you will find important, topical information in the blog to help you on your road to retiring more freely.


The Benefits of Semi-retirement (and How a Reverse Mortgage Can Help)
Retirement News, Financing Retirement, Retirement Planning, Retirement Tips

The Benefits of Semi-retirement (and How a Reverse Mortgage Can Help)

If you’re approaching retirement age, don’t assume that the only successful retirement plan is one in which you never work again.

Semi-retirement often means keeping one foot in the workforce. You may shift to fewer hours at your current job, or leave your career for part-time work that’s less demanding or more fulfilling. Roughly 29% of U.S. workers ages 61-66 plan to reduce their work hours as they transition to retirement.

Why not just retire?

There are many reasons that older Americans continue to work in some capacity:

  • Combat the fear of running out of money. Retirement comes with its share of financial risks. Inflation, market uncertainty, healthcare costs and personal spending can have a huge impact on your savings and investments.
  • Delay Social Security. Many Americans continue to work to maximize their Social Security benefits. Currently, full benefit age is 66 for people born from 1943 to 1954, and it gradually rises to age 67 for those born in 1960 or later. If you wait until you reach your full retirement age or up until the maximum threshold of 70, your monthly benefits will be greater than if you begin receiving payments early.
  • Maintain regular social interactions. Working in retirement isn’t all about the income. Going to a workplace can help you maintain a social outlet, interacting with colleagues, clients or customers.
  • Give your time more structure. Staying on the clock can offer you more balance, satisfaction and structure. Knowing you have to be somewhere where others depend on you can create a more fulfilling retirement overall.

Consider a reverse mortgage as a retirement funds source

Of course, working in retirement has its drawbacks, too. You may be missing out on valuable time to enjoy doing the things you love with the people you love. But unfortunately, due to financial reasons, you may not have a choice.

If you’re looking for another source of retirement funds, consider the benefits of a reverse mortgage loan. Designed for older homeowners, a reverse mortgage can help you enjoy greater financial flexibility — whether you’re in retirement or minimizing your time spent working. This type of loan allows you to leverage the equity you’ve built up in your home, while continuing to live in it and retain ownership. You can receive the money as a lump sum, a monthly payment or a line of credit that’s there if and when you need it*.

Plus, reverse mortgages don’t require monthly payments. You can pay as little or as much as you want, when you want. You just need to keep current on loan obligations including taxes, maintenance and insurance.

Reverse Mortgage Funding (RMF) can answer your questions and help determine if it’s the right strategy for your retirement plan. To learn more, call RMF today at (888) 277-1567 and schedule a free, in-person appointment with a loan specialist in your area.

This content is sponsored by RMF, one of the nation’s leading reverse mortgage lenders. We are dedicated to helping older Americans retire more freely, in the comfort of their own homes. As a result of our commitment to providing an extraordinary and positive customer experience, we have earned a 98% customer satisfaction rating; a 4.8-star / Excellent score on Trustpilot; 4.8 out of 5 stars on LendingTree; and an A+ rating with the Better Business Bureau. Call 888-277-1567 to speak with a licensed reverse mortgage specialist to learn about our retirement financing products and solutions.

*Borrowers who elect a fixed rate loan will receive a single disbursement lump sum payment. Other payment options are available only for adjustable rate mortgages. In certain states, RMF’s EE loan provides a fixed-rate term payment option.


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Together We Can Make a Difference

RMF is proud to be a part of the inaugural Momentum Circle to support Meals on Wheels America’s efforts to lead its national network of local programs committed to combating the real issues of senior isolation and hunger.

Even before COVID-19 emerged as a worldwide threat, nearly 10 million seniors in America struggled with hunger, 8 million lived in isolation, and more than 7 million had incomes below the poverty line.


Meals on Wheels America is the leadership organization supporting the more than 5,000 community-based programs across the country that are dedicated to addressing senior isolation and hunger. 

This network serves virtually every community in America and, along with more than two million staff and volunteers, delivers the nutritious meals, friendly visits, and safety checks that enable America’s seniors to live nourished lives with independence and dignity.


To learn more about how you can get involved in your local Meals on Wheels America programs or to make a donation, please visit

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