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WEBINAR: Smart Mortgage Strategies for Downsizing with Jon Wald
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BWFA invites you to join us for an informative webinar with guest speaker Jon Wald. Whether you’re considering downsizing or looking for ways to support your children in purchasing their first home, this session will explore smart loan options and practical financial strategies to help you make confident decisions.

TOPICS WILL INCLUDE:  

  • Accessing Equity Before Selling
    • Bridge Loans: What they are and how they allow you to use your current home’s equity for a down payment on a new home.
    • Home Equity Line of Credit (HELOC): Can you open one before listing your current home?
    • Temporary Financing Options: Pros/cons of borrowing short-term to make a non-contingent offer.
    • Risks of carrying two mortgages briefly — what to consider financially.
  • The Current Real Estate Market
    • Interest Rates Update: How current rates impact downsizing decisions.
    • Inventory & Buyer Demand: Are smaller homes in high demand?
    • Market Timing: Should you sell first or buy first in today’s market?
    • Local Trends: How the downsizing landscape may differ depending on where you’re located.
  • Financial Considerations When Downsizing
    • Loan options based on retirement income or fixed income.
    • Using proceeds from the sale to pay cash or make a large down payment.
    • Tax implications of selling a primary residence (capital gains exclusions).
    • How to structure a mortgage to preserve retirement savings.
  • Special Considerations for Retirees or Empty Nesters
    • Qualifying on retirement income (Social Security, pension, annuities, RMDs).
    • Reverse mortgage as an option for downsizing.
    • Healthcare and accessibility — how these factors into choosing a new home.
  • Strategic Planning
    • How financial planning and mortgage planning should align.
    • When to involve a financial advisor in the downsizing conversation.
    • Creating liquidity without destabilizing your investment portfolio.

WEBINAR
JULY 17, 2025
11:45 AM – 1:00 PM

PRESENTERS:
TOWNSEND HORNOR, JR.
CEPSManaging Director, Wealth Management & Executive Committee
JONATHAN WALD
Vice President / Branch Manager
Main Street Home Loans
ABOUT JONATHAN WALD

With 20 years of experience as a top-producing Loan Officer, Jon Wald has earned numerous industry awards and built a reputation for excellence in mortgage lending.

Jon is well-versed in a wide range of loan programs, including FHA, CDA, VA, USDA, 203(k), Bridge Loans, Conventional Conforming, and Jumbo loans. His deep understanding of the mortgage process allows him to guide clients through the complexities of home financing, ensuring they make informed decisions tailored to their needs. In addition to serving homebuyers, Jon shares his expertise by teaching state-accredited continuing education courses for realtors and appraisers in Maryland.

Over the course of his career, Jon has helped more than 2,000 clients and personally closed over $900 million in loans. His commitment to transparency, accessibility, and open communication has earned him the trust of his clients, many of whom return to him or refer friends and family.

Originally from Brooklyn, New York, Jon moved to Maryland to attend Towson University, where he earned a degree in Business Management. After years of city living in Federal Hill and Canton, he now resides in Lutherville, a suburb just outside Baltimore City, with his wife, three children, and two dogs.
We hope you can join us!
Sincerely,
Robert G. Carpenter
President & CEO

BWFA is a Fee-Only/Fiduciary Advisor.

For questions or help registering, please contact
Cortney Caronna, Senior Marketing Associate | emailus@bwfa.com | 410-461-3900