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Understanding Senior Homebuyer
Buying a home in retirement is increasingly common as seniors downsize, relocate, or purchase dream retirement properties. Federal law prohibits age discrimination in lending, meaning qualified retirees have access to the same mortgage programs as working borrowers. Social Security, pensions, and retirement account distributions all count as qualifying income.
Federal law protects senior borrowers from discrimination
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Success Stories
“NMHL made our first home purchase incredibly smooth. The team guided us through every step and found us a rate we couldn't believe.”
“After being denied by two other lenders, NMHL found a solution for my self-employed income. Bank statement loan closed in 25 days.”
“The VA loan process was seamless. Zero down payment and the best rate I found anywhere. Thank you NMHL!”
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Frequently Asked Questions
Asset depletion is a method where lenders divide your total liquid assets (retirement accounts, savings, investments) by a set number of months (typically 240-360) to calculate a monthly income figure. This allows retirees with significant savings but lower monthly income to qualify for mortgages.
Yes. Regular distributions from 401(k)s and IRAs count as qualifying income. Additionally, if you are not taking distributions, asset depletion methods can use the account value to calculate qualifying income. The specific approach depends on the loan program selected.
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