What does a home equity check-up cost?

Nothing. The check-up is free and carries no obligation. Most check-ups end in understanding, not loans.

What should I bring to a home equity check-up?

A rough idea of your home’s value and any current mortgage balance. Spouses, adult children, and financial advisors are actively encouraged to join.

Can my financial advisor join the check-up?

Yes — Kelly encourages it. Housing wealth works best when it’s coordinated with the rest of your retirement plan, and Kelly regularly meets jointly with clients and their advisors.

🩺 The famous first step

Have you had your home equity check-up?

You get your health checked every year. Your car gets its oil changed. But the biggest asset most retirees own — the equity in their home — usually goes decades without a professional look. Kelly fixes that in one friendly, free, no-pressure conversation.

💬 Text "check-up" to 605-376-3482 Schedule online

What happens at a check-up

One hour. Your real numbers. Zero pressure.

Your equity, quantified. What your home is roughly worth, what you owe, and what HUD's rules would make available to you today.
Your line-of-credit growth curve. If you opened a RELOC now and never touched it, what would it look like at 75? At 85? Kelly shows you, year by year.
The honest costs. Origination, FHA mortgage insurance, accrual — nothing hand-waved. If the costs don't make sense for your plan, Kelly says so.
Your obligations. Taxes, insurance, maintenance, occupancy — the responsibilities that come with every reverse mortgage, in plain English.
A verdict. Fits now, fits later, or doesn't fit. All three are good check-ups.

Kelly, my son thinks I should ask you a hundred skeptical questions first.

Tell him to bring a hundred and one — and to come with you! Family questions are my favorite kind. Education first, always. 🩺

Bring whoever you trust

Spouses, adult kids, financial advisors, even your attorney — Kelly actively encourages a full room. Big decisions deserve witnesses.

Bring almost nothing else

A rough home value and any mortgage balance is plenty. Kelly can help estimate both. No documents needed for a check-up.

Three ways to start

Pick whichever feels most like you

Text Kelly

Send "check-up" to 605-376-3482 and Kelly will reply personally to find a time.

Call Kelly

605-376-3482 — direct line, real human, no phone tree.

Schedule online

Book through Kelly's Fairway profile — in person, phone, or video.

Prefer to warm up first? Run your sample numbers or start with Reverse Mortgage 101 — no email walls, ever.

Client stories

Five stars.In their words (almost)

Highlights paraphrased from real client stories shared with Kelly — read the originals anytime on Experience.com.

Used the reverse purchase program to buy a home with roughly half the cash a traditional purchase would have taken — with no monthly mortgage payment required. Says Kelly made the whole thing easy, and even fun.

Jerry K. · South DakotaReverse Purchase (H4P)

Paid off her existing mortgage with a HECM and redirected that old payment to whatever she wants. Still owns her home, still in her forever house — and says Kelly handled every detail and made sure she understood each step.

Linda D. · South DakotaHECM Refinance

Went in hesitant and came out extremely happy. Kelly explained the entire program in plain language, stayed on top of every step, finished the paperwork early, and returned every call promptly.

Verified client · Sioux Falls areaHECM Refinance