If you’re 5 to 10 years from retirement and you haven’t taken a hard look at your mortgage lately, now is the time. Not because anything is wrong — but because the decisions you make in this window can significantly change what your financial picture looks like when you stop working.
Most people review their investment accounts regularly. Far fewer give the same attention to their mortgage and home equity, even though for many homeowners in Washington State, equity is the largest single asset they own.
Here’s what I look at when a client comes to me in this season of life.
Editors Note: This article on Delayed Financing has been updated for 2026.
