Member of the Colorado Bar Association

Board Member of
the Colorado Collaborative Divorce Professionals


When the Simple Becomes Complex:

Huettner Capital is a residential and commercial real estate lender. We handle all types of financing and specialize in complex transactions.

These situations typically involve self-employment, multiple properties, wealth management, investment property, relocation, and divorce to name a few. However, most people do not realize how frequently their situation is too complex for the typical lender to handle effectively.

Getting these loans done is not the problem. The problem is the people getting most borrower’s their loans. They simply have far too little knowledge and experience to get anything other than the cookie cutter loan done in less than several months. This is the reason why the traditional loan origination process just doesn’t work any more.

Creating a team and new loan process that works with full documentation loans, especially the complex ones, was the whole point in starting Huettner Capital from the very beginning. Welcome to the solution!

3 Reasons To Buy Your Retirement Home To

I have been working with clients close to retirement to do this for about 2 years now. Depending on prices and interest rates, they don’t even have to rent out their house to wind up on the plus side. See the numbers below.

People who plan to buy a retirement home in the next 2-5 years, you should strongly consider buying now. They should not wait because interest rates and home prices will likely be higher. It may not seem like much, but small changes result in huge cost differences in the long run.

However, most people never think about buying their retirement home years in advance of their retirement. Buying now never crosses their mind. They simply plan to buy when they retire. It is really just human nature. Besides, it makes sense. Why would I buy now?

Consider buying a $200,000 home today with 20% down on a 30 year fixed loan at 4.0% compared to buying the same house in 2 years for $210,000 with the same loan at 5.5%. Not a big difference, right?

Only 5% more in price and a 1.5% higher rate make a HUGE difference. Compared to buying today:

Your payment is 25% higher ($763.86 – $953.89) with the higher rate and price in 2 years.

You will pay $17,656 more interest over ten years even though you waited 2 years to buy.

You will still owe $21,185 more on your home with the higher rate and price.

With these assumptions, they get the first two years in the house FREE! Buying now saves $38,841 which is far more than the cost of taxes and insurance for the first two years. Even if interest rates are only 0.5% higher, the differences can be huge to retirees since they keep the homes longer then most. Renting can make the house an investment until it becomes the retirement home.

What About Paying Cash?

There are two scenarios, paying cash now or paying cash when they sell their current home and retire.

For those who can pay cash now, their cash won’t earn money with rates this low and they can’t invest it in stocks if they need it to pay cash in a few years. Renting will often give them a better return on their investment than keeping their money in savings, money markets, or CDs.

For those who would pay cash later, renting allows them to cover the cost of the mortgage until they retire and sell their current home.

Not everyone can buy a house now, but the real surprise is when people won’t be able to qualify for a loan to buy the same house in a few years after they retire because their income is lower and lending is tighter.


  • Buy now when prices are likely lower than in 2-5+ years.
  • Buy now when interest rates are likely lower than in 2-5+ years.
  • Avoid the problem of not being able to qualify for a loan with your retirement income.


  • Management fees or time and effort to manage the unit yourself.
  • Making the payment during any vacancy or monthly shortfall where rent does not cover the payment.
  • What if you change your mind about where you want to live.


Be aware of local taxes on rental units. Many local governments in vacation areas passed or began enforcing renters/lodgers taxes on individuals renting out their homes and even searching and Craigslist to find people not paying the tax.


I also see the opposite where retirees buy their retirement home and rent out their prior residence instead of selling it as they wait for the market to recover. Many have a lot of equity in their home so the properties usually produce great cash flow. Many of these Accidental Landlords wind up deciding to keep their homes for the cash flow since savings rates are so low right now.

Our Latest Insights

Financial Planning for Gray Divorce: Liquidity and Risk Management

For those divorcing over 50, it is often referred to as “gray divorce,” the financial implications can be particularly significant. Ensuring you have a solid plan for managing your finances during and after a gray divorce is crucial. This includes understanding liquidity needs and effective risk management strategies to secure

Read More

Understanding Loan Assumptions in Divorce: A Comprehensive Guide

Historically low interest rates over the past several years and a recent sharp increase in rates, many homeowners find themselves financially and emotionally tied to their current low-rate mortgages. This guide will go over how loan assumptions can be a valuable tool during divorce, allowing one spouse to retain the

Read More

Benefits of a Divorce Financial Analyst

For many separating couples, the financial aspect of divorce is complex and emotionally taxing. As you navigate the separation, a Divorce Financial Analyst can be a valuable ally, helping you understand the financial implications of your decisions. These professionals are trained to analyze the economic aspects of divorce, ensuring a

Read More

Downsizing After Divorce for Stay-at-Home Moms

Going through a divorce can be a life-changing experience, especially for stay-at-home moms who may need to rethink their living arrangements and financial strategies. Downsizing can be a practical solution, helping to manage expenses and simplify life during this transition period. Our team understands the unique challenges you might face

Read More

How Many Days Do I Have to Refinance the House After Divorce?

Refinancing your home after a divorce is a crucial step in separating your financial ties and starting anew. Many of our clients come to us with concerns about the timeline for refinancing, especially when they are eager to resolve financial issues quickly. While the specific timeline can vary based on

Read More

Can I Buy a Home in Colorado? First-Time Home Buying Made Easy

Thinking about buying your first home but worried it might be too complicated? You’re not alone. Many first-time buyers in Colorado feel overwhelmed by the idea of navigating real estate markets and mortgage details. That’s where we come in. At Huettner Capital, we specialize in making the home buying process

Read More

Joint Debt After Divorce: Who Pays What?

Navigating the financial aftermath of a divorce is often as complex as managing the emotional toll, especially when it comes to joint debt. At Huettner Capital, we understand that redefining your financial obligations alongside your personal life is crucial. Whether it’s mortgages, car loans, or credit card debts, knowing who

Read More