{"id":22935,"date":"2026-01-17T00:08:16","date_gmt":"2026-01-17T00:08:16","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=22935"},"modified":"2026-01-17T00:08:17","modified_gmt":"2026-01-17T00:08:17","slug":"mortgages-for-retirees-and-older-adults","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=22935","title":{"rendered":"Mortgages For Retirees And Older Adults"},"content":{"rendered":"<div id=\"\">\n<div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\"><\/div>\n<p>\n            Vladimir Vladimirov\/Getty Images: Illustration by Issiah Davis\/Bankrate\n        <\/p>\n<\/p><\/div>\n<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<div id=\"block_7d7f2848d90a3898a2adc1d35d328898\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Under the Equal Credit Opportunity Act, lenders are prohibited from discriminating against applicants because of their age.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            As a result, older people \u2014 like those in other age groups \u2014 generally can get mortgages and other home loans if they meet a lender\u2019s approval criteria.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            However, older adults may find it harder to qualify for home financing if they have a limited income, existing mortgage or other debt.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>We often think of homebuyers as young people \u2014 newlyweds and couples with small children \u2014 but baby boomers actually make up the majority of those buying a home in the U.S. Still, according to recent studies, older adults face higher rejection rates for home lending products than younger borrowers. If you\u2019re looking to secure a mortgage or borrow against your home as an older person, it\u2019s important to carefully assess your credit and finances early in the process.\u00a0<\/p>\n<p>Here\u2019s everything you need to know about getting a mortgage later in life.<\/p>\n<h2 id=\"key-statistics\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key statistics on older adults and mortgages\" data-outcome=\"\">Key statistics on older adults and mortgages<\/h2>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<div class=\"content wysiwyg wysiwyg--flush\">\n<ul>\n<li aria-level=\"1\">Roughly two-thirds of adults who owned a home had a mortgage in 2024, according to data from the U.S. Federal Reserve.<\/li>\n<li aria-level=\"1\">The median mortgage payment for purchase loan applicants was $2,034, as of November 2025, according to the Mortgage Bankers Association (MBA).<\/li>\n<li aria-level=\"1\">The average mortgage balance in 2025 was $258,214, according to Experian.<\/li>\n<li aria-level=\"1\">At 53%, baby boomers account for the largest cohort of home sellers, according to 2025 data from the National Association of Realtors. They also account for the largest cohort of homebuyers, at 42%.<\/li>\n<li aria-level=\"1\">A full 37% of people report that paying for housing negatively impacts their mental health, according to Bankrate\u2019s April 2025 Financial Wellness Survey.<\/li>\n<li aria-level=\"1\">New Hampshire was the best state to retire to in 2025, according to Bankrate\u2019s Best and Worst States to Retire\u00a0 study. Maine, Wyoming and Vermont also rank highly. The worst states to retire include Louisiana, Texas and Oklahoma.<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"can-you-get-a-mortgage\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Can you get a mortgage as an older person?\" data-outcome=\"\">Can you get a mortgage as an older person?<\/h2>\n<p>Yes, generally you can get a home loan if you\u2019re older. Mortgage lenders aren\u2019t supposed to take your age into account. The Equal Credit Opportunity Act makes it unlawful to discriminate against a credit applicant because of age \u2014 along with race, religion, national origin, sex and marital status.<\/p>\n<p>Lenders <em>can<\/em> ask your age on applications, but only for the purpose of gathering demographic data, as specified by the Home Mortgage Disclosure Act (HMDA). The information is supposed to be confidential and not used to approve or deny the applicant.<\/p>\n<h2 id=\"is-it-harder\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Is qualifying for a mortgage harder for older adults?\" data-outcome=\"\">Is qualifying for a mortgage harder for older adults?<\/h2>\n<p>Despite laws prohibiting lending discrimination on the basis of age, it can be challenging for older people to qualify for financing. The rejection rate for mortgage applications rises steadily as people age, according to a 2023 research paper from the Federal Reserve Bank of Philadelphia.<\/p>\n<p>This is often for a few reasons:<\/p>\n<ul class=\"wp-block-list\">\n<li>Older Americans may be retired and have fixed incomes and, because of this, some may have higher debt-to-income (DTI) ratios than borrowers who are still working.\u00a0<\/li>\n<li>Lenders may take a borrower\u2019s life expectancy into account, according to the research from the Federal Reserve Bank of Philadelphia \u2014 especially if a senior is applying for a 30-year mortgage.\u00a0<\/li>\n<\/ul>\n<h2 id=\"how-to-qualify\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to qualify for a mortgage in retirement\" data-outcome=\"\">How to qualify for a mortgage in retirement<\/h2>\n<p>When an older borrower applies for a mortgage or another type of home financing, lenders look at the same financial criteria as they do for any other borrower, including credit history and score, DTI ratio, income and other assets.<\/p>\n<h3>Credit score<\/h3>\n<p>Here are the minimum credit scores needed based on loan type:<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table Table Table--stripedOdd Table--spacing1 align-middle is-style-stripes has-fixed-layout wrapped\">\n<thead>\n<tr>\n<th>Loan type<\/th>\n<th>Minimum credit score<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Conventional loans<\/td>\n<td>620<\/td>\n<\/tr>\n<tr>\n<td>FHA loans<\/td>\n<td>580 with 3.5% down payment, 500 with 10% down payment<\/td>\n<\/tr>\n<tr>\n<td>VA loans<\/td>\n<td>No minimum requirement, but generally 620<\/td>\n<\/tr>\n<tr>\n<td>USDA loans<\/td>\n<td>No minimum requirement, but generally 640<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Bear in mind that having the minimum score can allow you to qualify for a loan, but you won\u2019t get the best interest rates the lender has to offer. For a conventional loan, for example, you\u2019d need a score of 740 or higher to nab a more competitive rate.<\/p>\n<p>You can check your credit reports for free each week by visiting AnnualCreditReport.com.<\/p>\n<h3>DTI ratio<\/h3>\n<p>Calculate your DTI ratio using this formula:<\/p>\n<p><em>DTI = Monthly debt payments (including mortgage or rent) \/ monthly gross income x 100<\/em><\/p>\n<p>Some lenders allow a DTI ratio as high as 50%, but most prefer you spend less than 45% of your monthly income on debt payments, including your mortgage.<\/p>\n<h3>Income verification<\/h3>\n<p>Besides what\u2019s required to prove your identity, you\u2019ll need to supply documentation about your income. If you\u2019re still earning an income \u2014 and many older adults are, according to the recent Bankrate Retirement Savings Survey \u2014 that includes paystubs, W-2s and tax returns.<\/p>\n<p>If you\u2019re retired, it might include:<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table Table Table--stripedOdd Table--spacing1 align-middle is-style-stripes has-fixed-layout wrapped\">\n<thead>\n<tr>\n<th>Income source<\/th>\n<th>Documents<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Social Security<\/td>\n<td>Copies of benefit verification, proof of income or proof of award letter, statements and\/or tax returns<\/td>\n<\/tr>\n<tr>\n<td>Pension<\/td>\n<td>Copies of retirement award or benefit letter statements and\/or tax returns<\/td>\n<\/tr>\n<tr>\n<td>401(k), IRA and Keogh distributions<\/td>\n<td>Copies of statements and\/or tax returns<\/td>\n<\/tr>\n<tr>\n<td>Interest and dividend income<\/td>\n<td>Copies of statements, 1099s and\/or tax returns<\/td>\n<\/tr>\n<tr>\n<td>Annuities<\/td>\n<td>Copies of statements and\/or tax returns<\/td>\n<\/tr>\n<tr>\n<td>Rental property income<\/td>\n<td>Copies of tax returns and\/or current lease agreement<\/td>\n<\/tr>\n<tr>\n<td>Disability<\/td>\n<td>Copies of disability policy and\/or benefits statement<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>It\u2019s likely that you\u2019ll need bank statements to prove these deposits and show you\u2019re steadily collecting income.<\/p>\n<p>Investment income \u2014 capital gains, dividends, distributions and interest \u2014 is reported on your tax return. For the income to be used to qualify you for the loan, you\u2019ll need to provide two years\u2019 worth of returns.<\/p>\n<h2 id=\"should-you-get\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Should you get a mortgage in retirement?\" data-outcome=\"\">Should you get a mortgage in retirement?<\/h2>\n<p>In general, it\u2019s best to avoid taking on more debt in retirement, when your income might not be as high as it once was. Using your retirement savings to pay down your mortgage can make it difficult to enjoy a comfortable retirement lifestyle and cover costs like medical bills.<\/p>\n<p>Be sure to consider your spouse or partner when deciding to get a mortgage or borrow against your home. If one of you were to die during the loan term, would the survivor be able to repay the loan? Take into account life insurance and other financial support the surviving spouse can count on.<\/p>\n<p>However, you may be in a position to take on a mortgage or other home-related debt if:<\/p>\n<ul class=\"wp-block-list\">\n<li>You\u2019re still working and expect to continue earning at your current level or higher for long enough to make a substantial dent in your mortgage balance.<\/li>\n<li>You\u2019re retired, but you can afford a substantial down payment and, ideally, a 15-year mortgage. Your monthly payment will be higher than with a 30-year mortgage, but your interest rate will likely be lower.<\/li>\n<\/ul>\n<p>Keep in mind that, while your monthly payment may be fixed, the costs of insurance, property taxes and utilities, as well as routine maintenance, are likely to increase, which will take an extra bite out of your retirement savings.<\/p>\n<div class=\"BlockQuote pb-8 BlockQuote--bordered flex flex-col items-center text-center md:text-left md:flex-row gap-3 md:gap-8 mb-8 md:mb-0\">\n<blockquote class=\"BlockQuote-text text-center md:text-left\"><p>\n        <q>For senior adult borrowers, it\u2019s essential to have a clear budget, to manage expenses carefully and to plan realistically for income in retirement. Understanding how housing costs fit into long-term financial goals is especially important during this stage of life when incomes are, on the one hand, stable \u2014 but also largely fixed.<\/q><br \/>\n                    <cite class=\"PullQuote-cite text-gray-900 ml-0 md:ml-4\"><br \/>\n                \u2014 Mark Hamrick, Bankrate Senior Economic Analyst<br \/>\n            <\/cite>\n            <\/p><\/blockquote>\n<\/div>\n<h2 id=\"mortgage-options\" data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Home lending options for older people\" data-outcome=\"\">Home lending options for older people<\/h2>\n<p>Older adults and retirees have the same mortgage options as any borrower, plus one type (reverse mortgages). Here are nine types to consider:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Conventional loan: <\/strong>You can find conventional mortgages from virtually every type of lender, in terms ranging from eight to 30 years. If you\u2019re making a down payment of less than 20%, you\u2019ll need to pay private mortgage insurance (PMI) premiums.<\/li>\n<li>\n<strong>FHA, VA or USDA loan: <\/strong>These government-insured loans might be easier to qualify for than a conventional mortgage. However, you can only get a VA loan if you or your spouse has served in the military, or a USDA loan if you\u2019re buying in a USDA-approved area.<\/li>\n<li>\n<strong>Cash-out refinance: <\/strong>With a cash-out refi, you\u2019ll get a brand-new mortgage and cash out some of your home\u2019s equity in a lump sum.<\/li>\n<li>\n<strong>Home equity loan: <\/strong>A home equity loan is a lump-sum loan, usually with a fixed rate, fixed monthly payments and a term between five and 30 years. You\u2019ll typically need at least 20% equity to qualify.<\/li>\n<li>\n<strong>Home equity line of credit (HELOC):<\/strong> A HELOC is a variable-rate product that works similarly to a credit card: You\u2019re given a line of credit to draw on as needed. You\u2019ll have a certain number of years to draw the money, and then a certain amount of time to repay the loan.<\/li>\n<li>\n<strong>Reverse mortgage: <\/strong>A reverse mortgage is a loan taken out against your current home, in which a lender pays you monthly installments; these must be repaid, or the home surrendered to the lender, when you die or move out. To qualify, you must be at least 62 years old, own your home outright \u2014 or close to it \u2014 and live in the home as your primary residence. You\u2019ll also have to pay for property taxes, homeowners insurance, HOA fees, if applicable, and other upkeep on the home.<\/li>\n<li>\n<strong>No-document mortgage: <\/strong>A no-doc mortgage doesn\u2019t require income verification. It\u2019s an uncommon product, but it can be an option for borrowers who have irregular income.<\/li>\n<li>\n<strong>Bank statement loan: <\/strong>A bank statement loan allows borrowers to qualify for a mortgage using bank statements instead of tax returns or W-2s.<\/li>\n<li>\n<strong>Asset-based loan: <\/strong>Also called asset-depletion loans, these products qualify you for financing based on your assets, such as bank and investment account balances.\u00a0<\/li>\n<\/ul>\n<h2 id=\"faq\" data-position=\"7\" data-beam-element-viewed=\"\" data-id=\"br-h2-7-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"FAQ\" data-outcome=\"\">FAQ<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-what-counts-as-income-for-a-mortgage-loan-as-an-older-person', 'heading-what-counts-as-income-for-a-mortgage-loan-as-an-older-person']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-what-counts-as-income-for-a-mortgage-loan-as-an-older-person')\" :aria-controls=\"$id('panel-what-counts-as-income-for-a-mortgage-loan-as-an-older-person')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What counts as income for a mortgage loan as an older person?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-what-counts-as-income-for-a-mortgage-loan-as-an-older-person')\" :aria-labelledby=\"$id('heading-what-counts-as-income-for-a-mortgage-loan-as-an-older-person')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Lenders consider employment wages, Social Security payments, freelance income, part-time income, tips, and pension and retirement income when assessing borrowers for loan qualification. They also count alimony and child support payments, unemployment benefits, investment income and disability payments.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-can-you-get-a-mortgage-with-only-social-security', 'heading-can-you-get-a-mortgage-with-only-social-security']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-can-you-get-a-mortgage-with-only-social-security')\" :aria-controls=\"$id('panel-can-you-get-a-mortgage-with-only-social-security')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Can you get a mortgage with only Social Security?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-can-you-get-a-mortgage-with-only-social-security')\" :aria-labelledby=\"$id('heading-can-you-get-a-mortgage-with-only-social-security')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            It\u2019s possible to get a mortgage with Social Security as your only income, depending on your benefit level, credit score and the amount of debt you have. But like any borrower with a low income, you might not qualify for a large mortgage, and you may have to put down a sizable down payment to get approved. If you\u2019re looking for mortgages for people on Social Security, ask lenders about their specific eligibility requirements before applying.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-are-there-special-mortgages-for-retirees', 'heading-are-there-special-mortgages-for-retirees']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-are-there-special-mortgages-for-retirees')\" :aria-controls=\"$id('panel-are-there-special-mortgages-for-retirees')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Are there special mortgages for retirees?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-are-there-special-mortgages-for-retirees')\" :aria-labelledby=\"$id('heading-are-there-special-mortgages-for-retirees')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            Most mortgages that are available to older people are available to other borrowers as well. Some examples include a conventional loan, a home equity loan or a bank statement loan. One exception is reverse mortgages, which are available only to borrowers 62 and older. Some states and communities also offer special programs to help retirees afford homes or home repairs.\n        <\/div>\n<\/div>\n<\/li>\n<\/ul>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"1GsuUPoeBX\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Up 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1-.722.441c-.258.086-.484.097-.742.097l.022-.011a5.39 5.39 0 0 1-.905-.064 2.741 2.741 0 0 1-1.852-1.345c-.71-1.216-.721-3.066-.022-5.496h-.516c-2.283 0-3.424 0-4.34-.548a3.843 3.843 0 0 1-1.722-2.248c-.29-1.033 0-2.13.593-4.324l.517-1.925c.312-1.162.484-1.786.882-2.323.377-.495.872-.871 1.443-1.097.624-.248 1.281-.248 2.476-.248h4.597c.42 0 .635 0 .84.032.215.032.431.086.636.15.193.065.387.162.753.345l1.702.864c.017-.04.033-.082.053-.122a2.333 2.333 0 0 1 1.044-1.043c.496-.247 1.013-.247 1.95-.247h.16ZM7.503 3.798c-1.022 0-1.54 0-1.862.13-.302.118-.56.322-.765.58-.215.28-.345.775-.614 1.753l-.517 1.926c-.495 1.85-.775 2.871-.602 3.474a2.308 2.308 0 0 0 1 1.312c.539.323 1.594.322 3.51.322h1.142c.236 0 .473 0 .72.15.227.14.388.367.453.625.075.28 0 .516-.075.742-.959 2.969-.603 4.27-.301 4.775.183.312.44.506.774.57.162.033.41.033.572.033.128 0 .203 0 .236-.01.021 0 .085-.044.107-.065.032-.032.14-.237.227-.399 2.208-4.308 3.556-5.671 4.352-6.102a39.945 39.945 0 0 1-.003-.523v-7.79L13.63 4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/mortgages\/mortgages-for-seniors-getting-a-home-loan-in-retirement\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vladimir Vladimirov\/Getty Images: Illustration by Issiah Davis\/Bankrate Key takeaways Under the Equal Credit Opportunity Act, lenders are prohibited from discriminating against applicants because of their age. As a result, older people \u2014 like those in other age groups \u2014 generally can get mortgages and other home loans if they meet a lender\u2019s approval criteria. However,<\/p>\n","protected":false},"author":1,"featured_media":22936,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22935","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mortgages For Retirees And Older Adults | BudgetADirect<\/title>\n<meta name=\"description\" content=\"Vladimir Vladimirov\/Getty Images: Illustration by Issiah Davis\/Bankrate Key takeaways Under the Equal Credit Opportunity Act, lenders are prohibited from\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/budgetadirect.com\/?p=22935\" \/>\n<meta property=\"og:locale\" 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