# Can You Really Buy Your Mortgage at a Discount With an Annuity

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Text version: https://stenobird.com/podcast/the-atlas-annuity-podcast-6714817/can-you-really-buy-your-mortgage-at-a-discount-with-an-annuity.md
Podcast: [The Atlas Annuity Podcast](https://stenobird.com/podcast/the-atlas-annuity-podcast-6714817)
Published: 2026-06-27T08:50:40+00:00
Episode link: https://atlas-annuity-podcast.castos.com/episodes/can-you-really-buy-your-mortgage-at-a-discount-with-an-annuity
Audio file: https://episodes.castos.com/65414647b3ef84-60916656/2507727/c1e-r5pgmso794vs2kwok-ww4d1m1naz26-srzdkn.mp3
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Duration seconds: 732

## Resource

In Episode 108 of the Atlas Annuity Podcast, Marty Becker, owner and founder of Atlas Financial Strategies in St. Louis, Missouri, explores one of the most creative retirement strategies he has come across in recent memory — using an annuity to pay your mortgage at a discount. It all started with an email from one of Marty's sharpest clients, Dave, who asked a simple but brilliant question: could an insurance company essentially take over his mortgage payments for the next five years, and do it for less than he actually owes? After running the numbers, Marty breaks down exactly how a 5-Year Term Certain Single Premium Immediate Annuity works, why the math makes sense, and how retirees can potentially lock in years of guaranteed mortgage payments while putting thousands of dollars back in their pocket — with zero market risk. In this episode, Marty covers: What a 5-Year Term Certain SPIA is and how it works How Dave's strategy turned $115,000 into $129,000 worth of mortgage payments When this strategy makes sense and what most people overlook Why guaranteed income can be one of the smartest tools in a retirement plan If you are approaching retirement or already retired and still carrying a mortgage, this episode is a must listen.

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## Transcript

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