Before you decide anything about staying, moving, or caring for a parent — know all five moves available to your family, in plain language, with no pressure.
Most families we talk to are in one of these three moments.
She's in her 70s, lives alone, and had a recent fall. You want her to stay home safely — you're just not sure what support exists or what it costs.
The home is paid off or close to it. There's real equity — but no liquid savings to cover in-home care or a move to assisted living.
A diagnosis, a hospitalization, a close call. Everyone agrees a decision is coming — nobody's sure what the actual options are.
Five paths, not one right answer. Which one fits depends on your family's specific situation.
For families who want to remain in the home as-is, but need the finances to support it long-term against rising insurance and taxes. A Florida HECM (FHA-insured reverse mortgage) can free up equity already in the home to cover these costs, with no required monthly mortgage payment.
You keep the title. You remain the owner.For families who want to stay, but the home needs work first: a walk-in shower, a ramp, a downstairs bedroom. This move uses home equity to fund the modifications that let a parent age in place safely.
For families where the current home is more space, maintenance, and cost than anyone needs. This move means selling and moving into something smaller and more manageable — often freeing up equity for retirement or care costs.
For families considering independent living, assisted living, or memory care. Placement guidance means finding the right community for the right needs and budget — and handling the sale of the family home alongside it, as one team instead of five separate companies.
For families where the better answer is a parent moving in with adult children, or building an in-law suite. This move often uses proceeds from selling or financing the original home to fund the transition.
Licensed Florida Loan Officers · Broker Associates · Equity Smart Home Loans
We built this after our own family went through a parent's dementia diagnosis — the disorienting process of figuring out what came next. We've sat at kitchen tables with worried adult children and explained the same federal protections dozens of times. This is the conversation we wish every Florida family could have before a crisis forces the decision.
Kelly and Ray walk through all five moves, how a Florida HECM actually works, and how to have the family conversation — in plain language, at your own pace.
Book a Free Call After WatchingEvery family lands somewhere different. Here's where most go next.
Use a HECM to fund in-home care, modifications, or a financial cushion — while remaining in the home you've built your life in.
Explore HECM at Smart-N-Loans →If senior living is the right answer, we guide you to Central Florida communities that genuinely fit your loved one's needs and budget.
Assisted Living Placement →Ready to move on? The Nadeau Team helps you sell your Central Florida home efficiently and maximize what you walk away with.
Downsizing Help at CertainlySold →One free call. We'll listen and tell you honestly which move fits — including if the answer is "none of them yet."
(407) 544-4704 Book Your Free ConsultationElder Placement Agency is a referral and advisory service — not a licensed healthcare provider, attorney, or financial advisor. We receive referral fees from senior living communities; this is how our service stays free to families. This compensation does not influence our recommendations.
HECM / Reverse Mortgage information provided in partnership with Smart-N-Loans · Kelly Nadeau, Licensed Florida Broker BK3344334, NMLS #1027618 · Ray Nadeau NMLS #1027617 · Equity Smart Home Loans CA NMLS #856170 · Licensed in AL, AZ, CA, CO, FL, ID, MN, NV, NM, OR, TN, TX, WA · Not a commitment to lend. All loans subject to credit approval. Borrower must be age 62 or older, occupy the home as primary residence, and continue to pay property taxes, insurance, and maintenance. HUD-approved counseling required. FHA-insured. Equal Housing Opportunity.
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