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Home equity in most areas of the country has declined by 40% or more and it probably would take some time before the value would increase just like the stock market.

Selling your home and taking the advantage of buying a much cheaper house thats on sale in your neighborhood might not be the right thing to do at this point.

Take note that securing a home is not the same as investing on stocks. Stocks can be traded; your home is a capital investment. So essentially, it is easier to trade stocks than trade homes. Also, giving up your home may require you to shoulder major tax consequences.

There is a negative side to selling your home. The perfect time to sell a house was 2 years ago so selling it this time would not be a very good idea. If you keep your house and the home prices will be stabilized, just like what happens in the stock market, the value of your home would most probably increase in the future.

So, how do you turn your home into an asset without actually selling it?

Your home is an investment. Your home equity will most likely increase in the future and you will be able to leave the house to your kids as inheritance or even tap into its equity upon retirement.

If you do not need cash and can afford to pay for your dues right now, time is on your side and you should be patient.

There are specific ways to turn your home into an asset.

One, you can allow your home equity to build up. Once your home is fully paid off, you may apply for a reverse mortgage on your property and use the money when you retire.

Paying off your home before you retire means you have to spend more or follow the biweekly method to accelerate payments.

Another way of looking at you home as an investment is to fully pay off your home and rent this out. You can then think off buying a second property. In this way you could collect cash for life.

Third, you have to remember that paying off your mortgage does not have to mean your retirement savings should suffer. You only have to do some good planning. Wait until your home value increases, sell it off upon retirement and buy a new one at a lower price. You can then keep the difference as part of your retirement savings.

It is understandable that sometimes given your lifestyle, at the end of the month, there almost is nothing to save. When you pay off your mortgage before you retire and buy a cheaper property when you retire automatically generates savings.

This may not be the best financial strategy but is certainly one way of accumulating retirement savings.

Finally the best way to pay off your home before retirement is using a mortgage acceleration strategy.

With the mortgage acceleration program you can slash 13 years of your mortgage and save thousands without changing the lifestyle or refinancing your home. Imagine getting rid of the mortgage payment without spending more. Now that’s a great investment in yourself and not to mention your home is fully paid off and you don’t have to dip into retirement savings to pay for mortgage.