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Many seniors assume that retirement disqualifies them from getting a mortgage. In reality, federal law prohibits age discrimination in lending, and retirement income sources including Social Security, pensions, and retirement account distributions are fully accepted for mortgage qualification. With proper documentation and the right lender, buying a home in retirement can be straightforward and financially smart.

Worried about qualifying on retirement income in Utah

Unsure if age affects mortgage eligibility in Utah

Fixed income feels limiting for home purchase in Utah

Age discrimination in lending is illegal under federal law.

Retirement income qualifies just like employment income.

You're Not Alone in This

Thousands of homeowners face the same challenges every year. Our experienced team has helped families across 29 states find mortgage solutions tailored to their unique situations.

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Solutions for Senior Homebuyer in Utah

NMHL offers multiple pathways to homeownership for Utah borrowers.

Conventional Loans with Retirement Income

Conventional mortgages accept Social Security, pensions, and retirement distributions as qualifying income. Non-taxable income can be grossed up 15-25% for higher qualification amounts.

Social Security accepted Pension income counts Non-taxable income grossed up

Asset Depletion Loans

If you have significant retirement savings, asset depletion programs calculate qualifying income by dividing your total liquid assets by a set number of months. This works well for retirees with large 401(k)s or IRAs who draw less than they could.

Based on total assets No required income Ideal for high net worth retirees

Reverse Mortgage Purchase

The HECM for Purchase program allows buyers 62 and older to purchase a new home with a reverse mortgage. You make a down payment (typically 40-60% of the price) and never make monthly mortgage payments.

No monthly payments Age 62+ eligible Down payment required

Your Path to Homeownership in Utah

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1

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2

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3

Get Pre-Approved

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4

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Senior Homebuyer in Utah - FAQs

Can seniors get mortgages in Utah?

Yes. Federal law protects senior borrowers from age discrimination, and NMHL is licensed in Utah to serve retirees with mortgages using Social Security, pension, and retirement account income. Our Utah loan officers specialize in senior homebuyer programs.

Are there senior-specific programs in Utah?

Utah may offer property tax exemptions, homestead benefits, and other programs specifically for senior homeowners. NMHL loan officers in Utah stay current on all available benefits and can help you take advantage of every program available to senior homebuyers in Utah.

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We Understand What You're Going Through

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Solutions for Senior Homebuyer in Utah