Civic Infill Works — Resources
Guides for ADU and HECM decisions
Practical, plain-English reference materials for senior homeowners, their adult children, and the professionals who advise them. Each guide is a working document — not marketing.
Decision kits
The complete set — playbook, worksheets, and the one-pager for adult children — bundled for households working through an ADU or HECM decision together. Each kit saves $14 versus buying separately.
National
HECM + ADU Decision Kit — National
The full working set for households anywhere in the U.S. evaluating a reverse mortgage alongside an ADU. Covers the decision framework, financial mechanics, step-by-step worksheets, and a plain-English handout for family members.
- HECM + ADU Playbook — National ($117)
- Playbook Worksheets — National ($27)
- One-Pager for Adult Children ($17)
- HECM + ADU Glossary (free)
Colorado
HECM + ADU Decision Kit — Colorado
The same full working set, edition for Colorado households. Includes Colorado-specific ADU context, regulations, and local program references alongside the core HECM decision framework.
- HECM + ADU Playbook — Colorado ($117)
- Playbook Worksheets — Colorado ($27)
- One-Pager for Adult Children ($17)
- HECM + ADU Glossary (free)
The HECM + ADU Playbook
A structured, plain-English decision guide for senior homeowners weighing a reverse mortgage alongside an ADU. Choose the edition that matches your location.
National
The HECM + ADU Playbook — National
A step-by-step guide covering the core decision factors, financial mechanics, and practical considerations for homeowners evaluating a HECM and ADU together — written for clarity, not to sell you on either option.
Colorado
The HECM + ADU Playbook — Colorado
The same structured decision guide, with Colorado-specific ADU context, regulatory references, and local program notes integrated throughout. For homeowners in Colorado evaluating these options.
Companion worksheets
Fillable worksheets that accompany the Playbook. Use them to work through the numbers, document your situation, and carry concrete questions into conversations with lenders, advisors, or family members.
National
HECM + ADU Playbook Worksheets — National
Structured worksheets designed to work alongside the National Playbook. Walks through the key variables so you can document your situation and arrive at advisor conversations better prepared.
Colorado
HECM + ADU Playbook Worksheets — Colorado
Companion worksheets for the Colorado Playbook. Same structured format for working through the key variables, with Colorado-specific references where applicable.
Targeted one-pagers
Short, specific reference documents for distinct audiences and situations — priced to share.
One-Pager for Adult Children of HECM Candidates
A concise, plain-English handout to help adult children understand what a HECM is, how it works, and what questions to ask before a parent moves forward. Designed to be shared.
HECM + ADU Nonprofit Referral Sheet
A reference document for housing counselors, social workers, and nonprofit staff who regularly advise senior homeowners and need a clear, accurate handout on HECM and ADU fundamentals.
Start with the Glossary
New to HECM or ADU terminology? The Glossary is a free reference that defines the key terms before you dive into the guides.
The HECM + ADU Glossary
Plain-English definitions for the terms that come up most often in HECM and ADU conversations — written for homeowners and their families, not financial professionals. Enter your email through Podia to receive the file.