You choose:

You can receive monthly income payments for a fixed number of years.

If you prefer, you can choose to receive a portion of your total amount upfront as a lump sum, while still receiving the remaining balance as monthly income.

This means income is always part of the agreement - the lump sum is optional and can be combined with it.

Your payments are based on your age, home value, and location. Everything is explained in writing before you sign, so you’ll know exactly what to expect.

Yes. There are no restrictions on how you use your funds. You can use the money for living expenses, enhancing your lifestyle, paying off debt, medical care or helping your family.

Social Security and Medicare are usually not affected.

Medicaid may be affected depending on your finances. If you are using Medicaid, we suggest you talk to a benefits advisor or elder-law attorney before signing.

No.

You have a legal right to stay for the rest of your life, no matter what happens.

Even if property values change or ownership transfers, your lifetime occupancy is protected by law and recorded with the county.

You still keep your right to the home. Your right to live in the home continues even if you temporarily or permanently move out. Whether you’re traveling, receiving medical care, or staying with family, you can return at any time during your life.

Yes.

If your spouse or partner lives in the home with you, they must be included in the agreement from the start. The Lifestyle Agreement is based on a life estate, so both residents are named as life tenants in the recorded documents and each retains the right to live in the home for life.

This is not optional - the life estate must reflect both occupants to ensure full legal protection. For program eligibility, both residents must also meet the minimum age requirements of the Lifestyle Agreement.

If you are the only one in the agreement, your right to live in the home ends. The property then belongs to the buyer.

If your agreement included your living spouse or partner, the agreement continues.

If you selected monthly income for a certain number of years, and you pass away before the term ends, those payments continue to your surviving spouse/partner or chosen beneficiary.

We also help your family settle the final paperwork-gently and clearly.

We make it simple: Under our standard model: the buyer covers property taxes and structure (dwelling) insurance; you cover utilities, routine upkeep, and contents/liability insurance. Day-to-day maintenance remains with you. (Your agreement/Welcome Pack lists examples.)

Yes, in most cases. You can sub-rent to someone else, like a trusted tenant or family member, with our written consent. You stay in control-and you keep the rental income, unless your agreement says otherwise. The property will still transfer to the buyer following your death, at which time the renter will need to leave the home.

Yes.

If you want a family member or trusted person to help, you can add them as a Power of Attorney or designated contact. They can help manage paperwork or coordinate with us. We respect your privacy and protect your rights.

Yes - we encourage it.

Also its obligatory to get trusted contact signature. We’re happy to answer questions with your family on a joint call or Zoom, if you’d like.

This is a permanent real estate sale, so please take your time. You can’t “undo” the agreement, but you can move out if needed. We’ll help with that process if the time comes.

We typically work with: - Single-family homes - Certain condos and townhomes (case-by-case)

Properties must be in good condition and meet local zoning and title requirements.

At the time of the agreement, the mortgage must be paid off - you can use a portion of the proceeds to settle any outstanding balance.

Absolutely. We’ll send you a plain-language summary and the full legal documents in advance. We recommend sharing them with a family member or advisor. Counseling is mandatory.

If the home declines in value, it doesn’t affect your right to stay or the money you get.

We may perform a soft credit check as part of our process. This does not impact your credit score in any way and is not visible to other lenders. It simply helps us verify basic financial information. You will always be asked for your permission.

Yes.

This is based on a long-standing legal concept called a life estate. It’s not a loan, and you can’t lose your home due to missed payments. Everything is explained clearly, and your rights are protected in writing and recorded publicly.

A Lifestyle Agreement is a real estate sale where you transfer ownership of your home while keeping a legal right to live in it for the rest of your life. Your occupancy is protected and recorded as a life estate. It is not a loan, and there are no monthly payments or interest charges.

Homeowners (often 74+) who want upfront cash and scheduled income while keeping the security of lifetime housing and the flexibility around it.