Bridging the Funding Gap as the Full Retirement Age for Social Security Rises in 2026

An elderly woman meditates peacefully by a pond with a soft smile, surrounded by autumn trees and serene golden light, creating a calm atmosphere.

For decades, retirees have relied on one key milestone when planning their future: the full retirement age for social security(FRA). But with new increases pushing that age to 67, many Americans are now facing a significant financial gap between when they need to retire and when they receive their full benefits. With the full retirement…

Elderly couple joyfully walking on the beach at sunset, holding hands. The woman raises her arms in delight, the ocean waves gently lapping at their feet.

If you own a second home in Oregon or Washington and you’re 55 or older (60+in WA), there’s a new financing option that could change how you approach retirement: the EquityPower second home mortgage. This proprietary retirement mortgage allows homeowners to access the equity in their second homes without taking on monthly mortgage payments: giving you…

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Finding out your retirement mortgage eligibility is easy. We look forward to providing you with data-driven insights to support your decision-making.

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Freestone Mortgage LLC
704 Main St, Suite 200
Oregon City, OR 97045

Number:
503-339-2343
888-256-4654

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NMLS #2613454
Equal Opportunity Mortgage Broker.
Credit on approval. Terms subject to change without notice. Contents not provided by, or approved by FHA, HUD or any other government agency. All potential tax benefits should be verified with a professional licensed tax advisor. For informational purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice.

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At the conclusion of a reverse mortgage, the borrower must repay the loan and may have to sell the home or repay the loan from other proceeds; charges will be assessed with the loan, including an origination fee, closing costs, mortgage insurance premiums and servicing fees; the loan balance grows over time and interest is charged on the outstanding balance; the borrower remains responsible for property taxes, hazard insurance and home maintenance, and failure to pay these amounts may result in the loss of the home; interest on a reverse mortgage is not tax deductible until the borrower makes partial or full re-payment.

Bridging the Funding Gap as the Full Retirement Age for Social Security Rises in 2026

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