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There is a time when we all think about "Where will I live when I retire?". The first option is to stay in your home. That leads to a whole new menu of other questions - will I be able to keep up with the maintenance of the property - if I hire it done, will I be able to afford it? Is it accessible, for shopping, transportation, my family, health care and recreation I enjoy? What will happen to the property if I can no longer maintain it? What happens if I become disabled some way and can not go up and down steps? Should I get a reverse mortgage so I can afford to stay in my home? These questions are hard to answer! Am I going to lose my independence? Will I be living with my children, who really do not need another family member residing with them?
A reverse mortgage could give you additional income. Yet if you decide to move, where will you move to? Should it be a single-family home or a condominium or an apartment or a specific senior-oriented complex? To answer that questions, one must consider the money required. Very often the sale of the family home will not cover the costs of the new living accommodations. I have seen some senior rental complexes where the monthly rent and fees were more than a person's entire monthly income, making it difficult with a fixed retirement income.
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Some of the Largest Denver-area Retirement Complexes are Listed Below
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Other Options There are a few new home builders that have recognized a real need and specialized in patio homes and enclaves of smaller attached housing. There are also townhouses that are all on one level that are convenient to a lot of location requirements you may have. There really are quite a few options open. For example, you may choose a development with detached (single family) homes whereby a Home Owner's Association maintains the grounds and the exterior of the home, giving you more time to travel, etc. Some of these communities are gated for further security. You may choose a complete community that offers transportation, activity centers, swimming, etc. among the amenities. Yet you may just want a smaller home and still maintain your yard. All of these are possible depending on your own life style. I can help you sort through some of the possibilities and show you homes that fit your needs. Please call or email for more information. Physical disabilities do come into the picture no matter what a person's age. There are many people that have bad knees, bad backs and many with serious illnesses...many in their middle years! If you have questions about disability information visit http://www.access-board.gov/adaag/html/adaag.htm I can also help you find a home that will fit your needs if you have disability issue needs. Please E-mail Elaine Ashby or call me for more information. There are some great sites on the internet that offer helpful information especially geared to travelers with disabilities. This is a great site for accessible travel information, as well as specialized tours, scuba dive vacations, and accessible accommodations. http://www.disabilitytravel.com A wide range of options, including cruises, and a service to link up with a traveling companion.
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