Combine proceeds with sale of one home to buy a new home without a forward mortgage, a staircase to too many messy bathrooms and monthly mortgage payments.

So, you are at least 62, have a bunch of home equity and need to downsize. Too many bedrooms to clean, way more than enough bathrooms, stairways to climb — just too much maintenance and you’re tired of it. It’s just too much to do now.

Here’s a HECM idea to consider. Sell your home, get rid of a mortgage and the payments month after month, put the remaining proceeds in a line of credit that earns monthly income instead of monthly costs to use it.

Do it without monthly payments.

Lay back and relax. Your retirement just got a lot easier. Let’s talk about it.