As a real estate agent, your relationship with a client doesn’t have to end at closing. In fact, some of the most rewarding opportunities come years later when past clients start planning for retirement and look to you once again for guidance.

Whether they’re downsizing, relocating to be closer to family, or just looking for a better fit, today’s retirees need more than a transaction. They need a trusted advisor who can help them make smart financial and lifestyle decisions about where, and how, to live next.

Retirement Relocation Is More Common Than Ever

According to AARP, nearly half of adults over 60 say they’re considering a move in retirement. The reasons vary: some want to be closer to grandchildren, while others seek a home that’s easier to maintain or more affordable on a fixed income. As their real estate agent, you’re uniquely positioned to help them weigh their options, especially if you’ve guided them through past life stages like move-up buying or refinancing.

Introduce Financing Solutions They May Not Know Exist

Many retirees assume their only options are to pay all cash or take on a traditional mortgage, neither of which may be ideal. That’s where your expertise and connections can make a real difference.

Consider introducing them to flexible loan products like:

• Reverse mortgage for purchase loans (such as the FHA-insured HECM for Purchase or Lifestyle Home Loan): These allow homeowners aged 62 and older to buy a new home with a one-time down payment and no monthly mortgage payments. This can increase their buying power by 40–60% while preserving their retirement savings.
• HELOCs and cash-out refinance options: For clients who want to stay in their current home but need funds to modify it for aging-in-place, these tools can help access equity without moving.
• Bridge loans or contingent buyer strategies: If they need to buy before they sell, or navigate competitive markets, you can help them work with a lender who specializes in retiree-friendly solutions.

Position Yourself as a Trusted Retirement Resource

You don’t have to become a mortgage expert but you can build relationships with lenders who understand retirement finances. Partnering with a local reverse mortgage specialist or retirement lending expert adds value to your services and creates a seamless experience for your clients.

You can also:

• Offer an annual home equity review for past clients 55+
• Host a local seminar or webinar on “Real Estate Strategies for Retirement”
• Share helpful content on social media about downsizing, home loan options, or moving closer to family

Your Clients Are Aging and Your Opportunity Is Expanding

Staying in touch with clients as they age isn’t just good business, it’s a way to serve them with care and purpose. Many will be navigating emotional and financial decisions about their next move. With your experience and network, you can be the steady guide they need.

And when you help a retiree buy or sell with confidence? That trust often extends to their friends, family, and even their adult children, opening doors for new referral business across generations.