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Want to buy a $700,000 home in retirement — but only have $550,000?
This one strategy could make it happen — with no monthly mortgage payment.

In this episode of Real Talk Hilton Head, David and Dale Cross sit down with Jim Davidson and Paul Donahue to uncover the truth about Lifestyle Home Loans (also known as Home Equity Conversion Mortgages for Purchase or HECM).

✅ FHA-insured and backed by Mutual of Omaha
✅ No required monthly mortgage payments
✅ Retain ownership of the home
✅ Unlock trapped home equity
✅ Preserve your retirement savings and maximize your lifestyle

💡 Whether you're relocating, downsizing, or dreaming of a home in the Lowcountry, this episode could change everything you thought you knew about buying a home in retirement.

📞 Have questions? Contact us at info@DavidDale.com or call 843-533-8125
🌐 Learn more at: https://www.RealTalkHHI.com
🎧 Listen on Buzzsprout: https://realtalkhhi.buzzsprout.com
📺 Subscribe for more: https://www.youtube.com/@RealTalkHHI

Chapters: 0:00 Intro: The $700K Dream on a $500K Budget
3:00 What Is a Lifestyle Home Loan (HECM)?
7:00 Why Most Retirees Have Never Heard of This
13:00 Equity Has Zero ROI Until You Unlock It
22:00 The #1 Fear in Retirement
30:00 The Real Estate Impact & Tax Implications
40:00 What Happens When You Leave the Home?
47:00 Can You Buy a Duplex or Triplex with a HECM?
55:00 The 3 Keys to a Successful Retirement Strategy
1:03:00 Final Thoughts + How to Learn More

📍 Serving buyers and sellers across Hilton Head, Bluffton, Beaufort, and Savannah.

#RetirementHome #HECM #HiltonHeadRealEstate #RealTalkHHI #ReverseMortgage #LowcountryLifestyle #RealEstatePodcast #MortgageTips

Real Talk Hilton Head | The Real Estate Lifestyle Podcast of Coastal Carolina
SUBSCRIBE OR WE MAY CRY…NOT REALLY!
For any questions or inquiries regarding this video, please reach out to DavidDale@RealTalkHHI.com
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Support the show

Thank you for tuning in to Real Talk Hilton Head!

👉 Explore More: Visit our website at www.RealTalkHHI.com to learn more about us. To find out more aoubt our real estate services, and the incredible Lowcountry lifestyle visit www.DavidDale.com.

👉 Stay Connected: Follow us on social media for updates, behind-the-scenes content, and local insights:

• Instagram: @RealTalkHiltonHead
• Facebook: Real Talk Hilton Head
• YouTube: Real Talk Hilton Head

👉 Contact Us: Have questions about moving to Hilton Head or want to connect? Email us at Info@DavidDale.com.

🎙️ Don’t forget to subscribe, leave a review, and share this episode with friends who love the Lowcountry!

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What if you could shed pounds, banish chronic pain, and reclaim your vitality without relying on prescriptions or fad diets? In this transformative episode of Real Talk Hilton Head, hosts David and Dale Cross share their incredible journey of losing a combined 70 lbs and reversing inflammation with the guidance of holistic wellness experts Dr. Bradley Morris and Dr. Mary Oladoo. Discover how to tap into your body’s natural intelligence to heal, thrive, and take control of your health. From uncovering root causes to practical steps you can start today, this episode is your roadmap to a vibrant life. Don’t miss the weight loss insights about an hour in!

Discover the powerful truth about your body’s natural intelligence to heal when you support it with the right tools:
🔎 Root-cause medicine (not symptom-chasing)
🧠 Emotional & spiritual health as the missing link
🌿 Functional medicine & holistic detox
🛑 The dark side of Ozempic, Tylenol, and common meds

You’ll learn how to start your transformation with real food, smart supplementation, and the guidance of practitioners who look at the whole person.

✅ This episode could change your life — or someone you love.

📞 Connect with our guests:
Dr. Mary Oladun – https://www.trileraholisticcare.com/
Dr. Bradley Morris – https://www.drbradmorris.com/

💬 Drop your questions in the comments!
🎧 Subscribe to Real Talk Hilton Head for more conversations about living well in the Lowcountry.

#WeightLossJourney #FunctionalMedicine #RealTalkHiltonHead #HolisticHealth #Inflammation #ReverseDisease #NaturalHealing #LowcountryLiving #OzempicSideEffects #NoMorePills


Real Talk Hilton Head | The Real Estate Lifestyle Podcast of Coastal Carolina
SUBSCRIBE OR WE MAY CRY…NOT REALLY!
For any questions or inquiries regarding this video, please reach out to DavidDale@RealTalkHHI.com
----------------------------------------------------------------
Follow All of These or Miss Out on Being Friends ☹
Facebook - Facebook
www.RealTalkHHI.com
DavidDale@RealTalkHHI.com

Support the show

Thank you for tuning in to Real Talk Hilton Head!

👉 Explore More: Visit our website at www.RealTalkHHI.com to learn more about us. To find out more aoubt our real estate services, and the incredible Lowcountry lifestyle visit www.DavidDale.com.

👉 Stay Connected: Follow us on social media for updates, behind-the-scenes content, and local insights:

• Instagram: @RealTalkHiltonHead
• Facebook: Real Talk Hilton Head
• YouTube: Real Talk Hilton Head

👉 Contact Us: Have questions about moving to Hilton Head or want to connect? Email us at Info@DavidDale.com.

🎙️ Don’t forget to subscribe, leave a review, and share this episode with friends who love the Lowcountry!

Send us a text

How to Boat Hilton Head Without Owning One in Hilton Head! 🌊 Love being on the water but hate the cost and hassle of owning a boat? In this episode of Real Talk Hilton Head, we’re revealing how you can enjoy boating in the Lowcountry without ever buying a boat—thanks to Carefree Boat Club!

🏝️ Our expert guests break down:
✅ How a boat club works and why it’s a game-changer
✅ The real cost of boat ownership vs. membership savings
✅ The best boats for fishing, tubing, or cruising the May River & Skull Creek
✅ How members get unlimited access to boats—without maintenance or storage headaches
✅ Nationwide & Caribbean boat club access for members who love to travel

Thinking of buying a boat? Watch this first! 🎧
👉 Join our Facebook Group Today! https://www.facebook.com/groups/970117688379831
🎙️ Listen on Spotify/Apple Podcasts: https://realtalkhhi.buzzsprout.com
🔗 Learn More About Carefree Boat Club: https://pbmarinahhi.com/carefree-boat-club-hilton-head-sc/

💡 Subscribe for more Hilton Head lifestyle, real estate, and insider tips! www.RealTalkHHI.com

#HiltonHead #BoatingLife #BoatClub #LowcountryLiving #RealTalkHiltonHead #HiltonHeadIsland #BoatingWithoutOwningReal
Talk Hilton Head | The Real Estate Lifestyle Podcast of Coastal Carolina
SUBSCRIBE OR WE MAY CRY…NOT REALLY!
For any questions or inquiries regarding this video, please reach out to DavidDale@RealTalkHHI.com
----------------------------------------------------------------
Follow All of These or Miss Out on Being Friends ☹
Facebook - Facebook
www.RealTalkHHI.com
DavidDale@RealTalkHHI.com

Support the show

Thank you for tuning in to Real Talk Hilton Head!

👉 Explore More: Visit our website at www.RealTalkHHI.com to learn more about us. To find out more aoubt our real estate services, and the incredible Lowcountry lifestyle visit www.DavidDale.com.

👉 Stay Connected: Follow us on social media for updates, behind-the-scenes content, and local insights:

• Instagram: @RealTalkHiltonHead
• Facebook: Real Talk Hilton Head
• YouTube: Real Talk Hilton Head

👉 Contact Us: Have questions about moving to Hilton Head or want to connect? Email us at Info@DavidDale.com.

🎙️ Don’t forget to subscribe, leave a review, and share this episode with friends who love the Lowcountry!