Life Stage · Florida
Downsizing in Florida
Sell the larger home, free up equity, and move into something simpler in Florida — without surrendering your lifestyle.
Common challenges we solve
- Timing the sale of the current home and the new purchase
- Wanting to avoid a temporary rental or storage
- Fixed-income mortgage qualifying after retirement
- Maximizing tax efficiency on equity
What you get with Lumos
Bridge financing so you don't sell before you buy
Asset-depletion loans for retired or pre-retirees
Smaller monthly payment, freed-up cash flow
Loan programs that typically fit
Frequently asked
- Can I buy before I sell?
- Yes — bridge and recast strategies let you secure the new home first and pay down once the old one sells.
- What if I'm retired?
- Asset-depletion programs let us qualify you using investment and retirement balances instead of W-2 income.
- Will I pay capital gains?
- Most primary-residence sellers exclude up to $250k single / $500k married. We coordinate with your CPA.
