SENIOR LIVING RESOURCES

Aging in Place, on Your Terms

For Union County homeowners 62 and older weighing options around equity, retirement housing, and downsizing. Independent reporting and tools — no pressure, no scripts.

Tools

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How Much Income Could Your Home Produce?

For homeowners 62+, this estimates how much monthly income a HECM line of credit could generate without selling the house. Numbers only — no decisions made here.

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HELOC or Reverse Mortgage?

Both let you borrow against home equity. They behave very differently. This compares them on the dimensions that actually matter — payments, term, and what happens if the market drops.

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Buying a Home with a Reverse Mortgage

HECM for Purchase lets buyers 62+ use a reverse mortgage to buy a new home with roughly half down, no monthly payment. This shows whether the math works for your situation.

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NMLS #179115. New American Funding. Equal Housing Lender. Licensed in New Jersey. Not a commitment to lend.

Viviana Zapata, REALTOR®

YOUR UNION COUNTY REAL ESTATE EXPERT

Viviana Zapata

REALTOR® · Better Homes and Gardens Real Estate Elite

Licensed Real Estate Salesperson · NJ · 181 North Ave East, Cranford NJ

Union County Life's real estate content, listings, and IDX data are presented under the license and control of Viviana Zapata, REALTOR®. All property searches and listing displays on this site are Viviana's displays.

Viviana Zapata, Licensed Real Estate Salesperson. Better Homes and Gardens Real Estate Elite. 181 North Avenue East, Cranford, NJ 07016. Member NJMLS, CJMLS, GSMLS. The data relating to real estate for sale on this website comes in part from the IDX Program of Garden State Multiple Listing Service. Real estate listings held by other brokerage firms are marked as IDX Listing. Information deemed reliable but not guaranteed. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. © 2026 Garden State MLS. All rights reserved.