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    • San Ramon, CA

    © 2026 VOCE.COM. All rights reserved.

    M

    Mandie Sue Mills

    @mandiemills

    29+ Years of expertise

    Branch Manager

    Integrity Home Mortgage Corporation

    Mortgage Loan Officer

    1000 2nd Ave S, 305North Myrtle Beach, SC 29582-8105
    13Articles
    1Answers

    About Mandie

    I have helped thousands of families achieve their homeownership and financial goals. Today, I specialize in reverse mortgages, helping seniors and their families create greater financial security, improve cash flow, and enjoy retirement with confidence. After discovering the life-changing impact these programs can have, I found my true purpose, educating and empowering older adults to make informed financial decisions.

    Mandie's Articles

    What If You Could Give Your Children Part of Their Inheritance While You’re Still Here?

    What If You Could Give Your Children Part of Their Inheritance While You’re Still Here?

    Personal Finance
    Mortgage Finance

    by Mandie Sue Mills

    Aug 22, 2026
    7 min read
    2
    0
    Retirement Housing: Is Your Home Part of the Plan?

    Retirement Housing: Is Your Home Part of the Plan?

    Retirement
    Home Equity

    by Mandie Sue Mills

    Aug 17, 2026
    8 min read
    4
    0
    After a Reverse Mortgage: Can Heirs Keep the Home? | HECM Inheritance Options

    After a Reverse Mortgage: Can Heirs Keep the Home? | HECM Inheritance Options

    Reverse Mortgage
    Mortgage Advice

    by Mandie Sue Mills

    Aug 12, 2026
    6 min read
    4
    0
    She Thought She Might Lose the Home She Had Loved for More Than 40 Years

    She Thought She Might Lose the Home She Had Loved for More Than 40 Years

    Reverse Mortgage
    Real Estate

    by Mandie Sue Mills

    Aug 6, 2026
    5 min read
    5
    1
    They Still Loved Each Other… They Just Wanted Different Retirements

    They Still Loved Each Other… They Just Wanted Different Retirements

    Reverse Mortgage
    Retirement Planning

    by Mandie Sue Mills

    Jul 30, 2026
    6 min read
    5
    1
    It’s So Nice to Have Our House Take Care of Us for a Change

    It’s So Nice to Have Our House Take Care of Us for a Change

    Mortgage Planning
    Reverse Mortgage

    by Mandie Sue Mills

    Jul 24, 2026
    6 min read
    2
    0

    Showing 6 of 13 articles

    Questions & Answers

    Get answers from Mandie

    Frequently asked• 1 weeks ago

    Do you believe a paid-off home should stay completely debt-free in retirement, even if accessing some of that equity could help protect other retirement assets?

    M
    Mandie Sue Mills

    I don’t believe there is one right answer for everyone. A paid-off home can provide tremendous peace of mind in retirement, and for some people, leaving it untouched is exactly the right choice. But I also believe home equity deserves a seat at the retirement-planning table. If someone is withdrawing heavily from investments during a down market, carrying higher-interest debt, struggling with monthly cash flow, delaying needed home repairs, or worried about funding future care, it may make sense to evaluate whether strategically using a portion of their home equity could help protect other assets. The question I like to ask is not simply, “How do we keep the house debt-free?” It is, “How do we use all of the resources available to create the strongest retirement possible?” Sometimes the answer is to leave the home completely alone. Sometimes it is not. The important part is understanding the options before a financial crisis makes the decision for you.

    View full answer →
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    Want to connect with Mandie?

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