Power Up Your Home’s Energy Efficiency with a Reverse Mortgage


A Home Equity Conversion Mortgage (a reverse mortgage sometimes referred to as HECM) is often considered an avenue for high-equity homeowners to supplement retirement income without selling the home. However, the flexibility of a HECM can also offer funding to make critical improvements or cost-saving upgrades to the home.

In fact, an approach that focuses on increasing the energy efficiency of the home can offer immediate relief from high utility bills, and even add some welcomed convenience to your lifestyle. So let’s look at some ways to power up your home’s energy efficiency.


Making sure your home is properly insulated is a smart first step to improving efficiency. The U.S. Department of Energy has determined appropriate insulation levels based on your location, so be sure your attic is at least meeting the minimum recommendations.

In older homes, consider replacing original windows and doors, or at least reinforcing them with fresh caulk and weather stripping. If you live in a particularly warm part of the country, adding a radiant barrier to the underside of your roof can also have a significant impact.

Upgrade HVAC & Appliances

A reverse mortgage may also offer an opportunity to upgrade your dated, less efficient home systems and appliances. The capabilities of heating and cooling technology have improved vastly in the past decade. Replacing your HVAC system could prove to be a worthwhile investment.

Similarly, if your major appliances haven’t been replaced since you purchased the home, using a portion of your HECM funds to do so might offer a long-term return on your investment. The efficiency of today’s refrigerators, washers, dryers, and even new technology like tankless water heaters can make a noticeable dent in your utility bills.


Home automation technology, like the popular Nest Thermostat and smart lighting options, can save you money while simplifying your busy life. Their advanced features make it simple to customize your utility usage around your schedule cutting down on wasted kilowatts.

Solar Panels

For significant eco-friendly savings, integrating solar panels into your home’s electrical system might be worth a look. The cost of the panels continues to fall, even as their effectiveness increases. Although not a minor expense, tax credits and the ability to be paid for putting power back into the grid in some places could make it more reasonable than you expected.

When you’re ready to explore boosting your home’s efficiency with a HECM, or the other reverse mortgage options available to you, contact me.

To find out more about how a Reverse Mortgage can work for you call Melinda Hipp , CRMP with Open Mortgage at 210-493-7332, email at melindahipp@openmortgage.com or visit texasreverse.net to learn more.

More about Melinda Hipp and Open Mortgage -

Melinda Hipp is Branch Manager with Open Mortgage|San Antonio and specializes in working with senior homeowners 62 and over who would like to access the equity in their home through a Reverse Mortgage. She has handled hundreds of satisfied Reverse Mortgage clients over the past ten years with many raving fans. She and her team are dedicated to giving you boutique service, a quick closing and personalized customer service.

Melinda regularly provides training to local real estate professionals and holds the designation of MBA, CRMP (Certified Reverse Mortgage Professional) and CMC (Certified Mortgage Coach.) Melinda is also an active member of NRMLA (National Reverse Mortgage Lender’s Association). An avid golfer, Melinda was a charter member of the San Antonio Chapter of the Executive Women’s Golf Association. She is currently a member of the National Reverse Mortgage Lender’s Association, Women’s Council of Realtors, San Antonio Board of Realtors, CRS and a board member of Golf San Antonio.

Melinda Hipp, CRMP | NMLS #219085

1870 W. Bitters Rd., Ste. 202
San Antonio, TX 78248
Office: 210-493-7332
Toll Free: 844-265-5513


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