Blog

Quiet Quitting – Realtor Edition

Christmas Cheer 2021

by Richard McWhorter, Sr Retirement Mortgage Advisor

Let’s just say what we’re all thinking:

Realtors don’t retire. They linger.

They drift from “I’m taking fewer listings” to “I only work with friends” to “I still do a deal here and there” — until one day they’re doing three or four closings a month and wondering what happened to their so-called slowdown.

And why not? You’ve spent decades solving problems, calming chaos, and writing contracts on the hoods of cars. Real estate isn’t just what you do — it’s your natural habitat.

For most Realtors, it stopped being a job somewhere around the third holiday weekend they spent showing the world’s pickiest buyers the 20th home.

But even that kind of lifestyle deserves a Plan B.

Because loving the work doesn’t mean loving the grind.


Enter: Quiet Quitting, Realtor Edition

You’ve probably heard the term. For Realtors, “quiet quitting” doesn’t mean checking out — it means checking in with what matters most:

  • Saying “no” to that 45-minute drive in stop-and-go traffic just to get to the 20th showing

  • Choosing wine tastings over weekend tours

  • Valuing peace of mind over chasing every last deal

  • In short, carving out me time in a career that never really ends

You’re not retiring. You’re evolving.

And if you’re 62 or older, you might already be sitting on the financial tool that lets you work by choice — not necessity.


The Retirement Strategy Nobody Talks About (But Everyone Loves Once They Do)

Let’s talk about the reverse mortgage.

Wait — don’t scroll. This isn’t the product your neighbor’s cousin’s friend warned you about in 2008.

We’re talking about the modern, federally insured version called a Home Equity Conversion Mortgage (HECM) — the most misunderstood (and underused) retirement planning tool in real estate.

With a HECM, qualifying homeowners 62+ can:

  • Eliminate their monthly mortgage payment (not just reduce it, eliminate it)

  • Access tax-free cash from the home they’re living in

  • Create a growing line of credit they can tap into for anything… anytime

And they do all this without giving up the home, title, or lifestyle they’ve worked so hard to build.

This is a strategy built around flexibility, optionality, and long-term staying power. And if you’re still in the business, or planning to be for years, it’s worth knowing how this works.


You Can Still Work. You Just Don’t Have to Hustle.

Most agents I work with first come to me on behalf of their clients.

But somewhere along the way, they start wondering:

“Wait… could I actually do this for myself?”

Yes. You can. And frankly, more of you probably should.

I’ve helped career Realtors tap their own equity to ditch their mortgage payment, boost liquidity, and reshape the way they approach the business. The shift is simple but powerful:

  • They keep working, but only when the deal is worth it

  • They stop sweating the slow seasons

  • They say “yes” to family vacations, hobbies, or downtime… without guilt

  • They stop taking listings out of obligation… and start choosing them with intention

And when someone asks about their retirement plan, they just point to their house and say:
“Already handled.”


So Why Don’t More Agents Talk About It?

Honestly? Because reverse mortgages still carry a lot of outdated baggage.

No one wants to be “that agent who got a reverse,” even though most of the people saying that… have no idea how they actually work.

The irony? Some of the most financially savvy people I know are quietly using this strategy. They just aren’t putting it in their Instagram bio.

And every single one of them tells me the same thing:

“I wish I’d looked into this years ago.”


Let’s Walk Through It — No Pressure. No Pitch.

If you’ve ever wondered what life might look like with more time, more cash flow, and more freedom to say no… this might be your moment.

We can run real numbers based on your situation. We’ll walk through how the strategy works, where it fits (and doesn’t), and how it might benefit you or someone you care about.

And yes — we can do it over Zoom. Glass in hand. Cameras optional.


Final thought:

You’ve spent a career helping others use real estate to build wealth.
Maybe it’s time to let your own home return the favor.

Because sometimes, the biggest change doesn’t come from a bold leap.
It comes from saying a quiet yes… to something better.

– Richard McWhorter
Senior Retirement Mortgage Advisor

 ________________________________________________________________________________________________________

Let’s Have a No-Pressure Conversation

At Ridge Reverse, we’re not here to “sell” anything. We’re here to help you and your clients understand options. We work with homeowners, their families, financial advisors, attorneys, and real estate professionals provide real-world clarity – not fluff.

If you’re curious how a reverse mortgage could extend your savings and reduce financial pressure, let’s talk. A short, friendly conversation could open the door to years of breathing room.

Next Steps?

Simply reach out to us at Ridge Reverse, powered by Amerifund, and let’s discuss how we can help you with a product designed specifically to meet your needs for a lifetime of happiness… while enhancing long term cashflow and quality of life. Feel free to call, text (mobile: 404-313-9785 anytime, office: 863-456-7810), or email richard.mcwhorter@ridgereverse.com and find out more.

Ridge Reverse, provides an Equal Housing Opportunity. Information is subject to change without notice. This is not an offer for extension of credit or a commitment to secure a loan. Some restrictions may apply. This material is not from HUD or FHA and has not been approved by HUD or any government agency.

Richard W. McWhorter, NMLS 1618644, as an independent reverse mortgage specialist can assist in your reverse mortgage needs in most states. Follow him on LinkedInReddit, the Ridge Reverse website or contact him directly at Richard.McWhorter@ridgereverse.com.

Follow Richard with Ridge Reverse


Logo_RR-removebg-preview

Licensing

Ridge Reverse
Powered by Amerifund Home Loans Inc.
NMLS #347051

Richard W. McWhorter
NMLS  #1618644

Amerifund Corporate
2655 First St. Suite #220
Simi Valley, CA 9306

Contact Us

Local Address
231 E Tillman Ave.
Lake Wales, FL 33853

Number:
Office: (863) 456-7810
Mobile: (404) 313-9785

Hours:
MON-FRI 9AM - 5PM EST

Ridge Reverse powered by Amerifund NMLS #347051. Equal Opportunity Mortgage Broker. Credit on approval. Terms subject to change without notice. Not a commitment to lend. Contents not provided by, or approved by FHA, HUD or any other government agency. All potential tax benefits should be verified with a professional licensed tax advisor. NMLS Consumer Access

At the conclusion of a reverse mortgage, the borrower must repay the loan and may have to sell the home or repay the loan from other proceeds; charges will be assessed with the loan, including an origination fee, closing costs, mortgage insurance premiums and servicing fees; the loan balance grows over time and interest is charged on the outstanding balance; the borrower remains responsible for property taxes, hazard insurance and home maintenance, and failure to pay these amounts may result in the loss of the home; interest on a reverse mortgage is not tax deductible until the borrower makes partial or full re-payment.

eho