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Homes hold memories. They hold family history, meaning, and for many, a lifetime of love. But as we age, the very places that once felt secure can quietly become harder—and riskier—to live in.

Most homes in the U.S. were never designed for aging bodies. Yet many older adults feel emotionally and financially locked in. The result? Families delay important housing decisions until a crisis forces change.

Today, we were joined by Harlan Accola, who leads the reverse mortgage team at Movement Mortgage, about a lesser-known option that may help older adults move into safer homes—without taking on new required monthly payments.

Falls are far more common—and costly—than most people realize.

Roughly 30 million older Americans fall each year. About one in five of those falls results in serious injury, often leading to hospitalization. The direct medical costs alone total nearly $50 billion annually. But the emotional and lifestyle costs for families can be even greater.

What’s sobering is where these falls happen. Not in extreme situations—but in ordinary places:

These everyday features become obstacles as mobility changes.

Most homes were built decades ago for young families in different stages of life. Only a small percentage include basic accessibility features such as:

As a result, stairs, tubs, and tight spaces often push older adults toward assisted living or nursing homes—not because they want to move, but because their homes no longer support their safety.

Even when homeowners recognize their house isn’t ideal anymore, they often hesitate to move.

There are two major reasons:

1. Emotional Attachment

This is the home where children were raised, and milestones were celebrated. Letting go isn’t easy.

2. Financial Lock-In

Many retirees either:

They worry that selling means taking on a new mortgage payment—something they might regret later in life. So they stay…often until something goes wrong.

Many people assume a reverse mortgage is only for accessing equity in their current home. But there’s another option: using a reverse mortgage at the point of purchase. Here’s how it can work:

For example:

The key distinction? No required monthly mortgage payments for as long as the homeowner lives in the home. That opens the door to:

One of the wisest principles in Scripture is found in Proverbs 27:12: “The prudent see danger and take refuge.”

Housing decisions in later life should reflect that kind of prudence. Rather than waiting for:

Families can proactively ask: How can we use the housing wealth we’ve built to improve safety and quality of life—while we’re still healthy?

W

Brian Smith and Ed Uszynski share stories and advice for parents of kids in sports. Hear about their passion for utilizing sports to disciple their kids and teach them character.  

Receive a copy of Away Game and an audio download of "Teaching Kids Character Through Sports" for your donation of any amount!

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Your kid rolls their eyes before you finish a sentence. Screens compete with your voice. Homework feels like a performance review. Dr. Kathy Koch shows how to get past the noise and actually connect. Learn simple, practical ways to be seen as more than a nag, to help your kids feel known, loved, and brave, and to raise relationally strong kids who can thrive—inside and outside the digital world.

Show Notes and Resources

• Learn more about Kathy Koch and her book "Start with the Heart" at celebratekids.com
• Set sail on the Love Like You Mean It Marriage Cruise! Now through 3/31/26, use promo code CruiseMadness27 and enjoy exclusive savings on your stateroom.

• Thanks to the Christian Standard Bible for sponsoring this episode. Learn more at CSBible.com.
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Your words are carving a path to your future right now. Today on BOLD STEPS, Mark Jobe reveals the extraordinary power of the tongue from James chapter 3.  Like a bit in a horse’s mouth or a ship’s rudder, your words direct your entire destiny.  Find out how controlling your tongue unlocks the keys to self-control ... listen to Bold Steps with Mark Jobe.

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