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Fredericks Wealth Management Masterclass Series: Home Equity

Home Equity Strategies for Today’s Real Estate Market

Presented by:

Cindy Greenya and Carlyle Swafford

  • October 17, 2026
  • | 10 AM
  • 177 Kernstown Commons Blvd Winchester, VA 22602

Join Cindy Greenya and Carlyle Swafford for a practical discussion about using home equity in today’s market, including selling, downsizing, relocating, and purchasing your next home. For a lot of households heading into retirement, home equity represents the largest single line on the balance sheet, and the one that gets the least planning attention. The house is where the money is, but it is also where the memories are, which makes it a decision with more than one set of tradeoffs.

What this session covers:

  • The main paths available to homeowners in retirement: staying put, aging in place with modifications, downsizing, or relocating
  • What the Winchester and Frederick County market currently looks like for sellers and buyers, and how that shapes timing
  • How home equity can be accessed, including refinancing, home equity lines of credit, and reverse mortgages, along with the requirements and costs attached to each
  • Carrying a mortgage into retirement, and how a monthly payment interacts with fixed income sources
  • The real cost of moving, from transaction costs and repairs through to property taxes and insurance in a new location
  • How a housing decision changes the rest of the plan, including cash flow, taxes on a sale, and what gets left to heirs

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