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technical analysis: saregama india limited (saregama) ✌️【Cover Letter】✌️ Free stock selection service with expert predictions and real-time market insights, providing you with the best investment strategies for long-term success. Moving somewhere new when you retire isn’t uncommon. Butdeciding whether to take out a new mortgage to buy a home is a big deal.

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technical analysis: saregama india limited (saregama) ✌️【Cover Letter】✌️ Real-time stock market data, precise predictions, and investment strategies to help you optimize your portfolio and achieve financial success. More than a third (35%) of homebuyers last year were between the ages of 59 and 98, according to data from the National Association of Realtors. Within that group, a majority financed their purchases.

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If you’re concerned that you may be less attractive to a mortgage banker because you’ve hit retirement age, know that it is illegal to discriminate against anyone applying for a mortgage based on their age.

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Lenders’ chief focus will be onyour ability to repay your mortgage with your various sources of non-paycheck income.

“When you qualify for a mortgage, it’s all based on your income,” said Melissa Cohn, regional vice president at William Raveis Mortgage.

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technical analysis: saregama india limited (saregama) ✌️【Cover Letter】✌️ Receive professional stock analysis with real-time updates on market movements. Make quick investment decisions and capitalize on profitable opportunities. The income sources that lenders consider, absent a regular paycheck, include: Social Security benefits, pension or annuity income, spousal benefits, disability payments, interest and dividends and your 401(k) or IRA.

If a portion of your income is not subject to tax, the lender may treat it as worth 25% more. Fannie Mae offers this example: Say 15% of a $1,500 monthly Social Security benefit is tax free. That means $225 of it will not be subject to tax ($1,500 x 15%). And 25% of that amount comes to $56 ($225 x 25%). So that $56 can be added to a person’s qualifying Social Security income amount ($1,500 + $56 = $1,556).

If you want to use your nest egg, different methods can be used to calculate how much income it would provide.There is theasset depletion methodin which your eligible assets are divided by your loan term. In the case of a 30-year mortgage, that would be 360 months. If your IRA is worth $700,000, that translates into $1,944 per month ($700,000/360). “You don’t ever have to take the money out — but you can use your assets [to qualify for a mortgage] as if you were going to take the distribution,” Cohn said.

technical analysis: saregama india limited (saregama) ✌️【Cover Letter】✌️ Free access to stock market forums, expert advice, and real-time data to help you stay informed and grow your investments. Another option: If you are at least 59-1/2, you can start taking monthly distributions from an IRA without penalty — or a 401(k) if your plan rules permit — and the lender will count that as income so long as you show that you have sufficient funds in the account to keep taking that same monthly distribution for three years. Once you close on your home, Cohn said, you can reduce or stop takingdistributions if you choose. That assumesyou are not yet in your 70s when the IRS requires you to start taking minimum distributions, said Mark Luscombe, a principal analyst at Wolters, Kluwer Tax & Accounting.

Lenders will also assess your debt-to-income ratio, because no matter how much income you have, the bigquestion is how much of it will be consumed by your debts.

technical analysis: saregama india limited (saregama) ✌️【Cover Letter】✌️ Get precise stock market predictions and free access to real-time market data for efficient decision-making and portfolio growth. The debt portion is composed of your expected mortgage payment plus any credit card, student loan, car loan or other outstanding debt you may have. Generally speaking, for conventional loans your DTI ratio can be up to 50%, Cohen said. That ratio falls to between 43% and 45% if you’re taking out a jumbo loan, she added. A jumbo loan exceeds theconforming loan limitsin the area you want to buy.

But ideally your debt level will fall well below these top limits, both for the lender’s sake and yours.

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Even before seeking a mortgage, get a good grasp on your expected monthly income and expenses in retirement.

Compared to pre-retirement earnings, “Most (new retirees) see a decrease in income,” said certified financial planner Lori Trawinski, director of finance and employment at AARP.

technical analysis: saregama india limited (saregama) ✌️【Cover Letter】✌️ Free real-time global stock trend updates to help you capture market movements and make better investment decisions. While some expenses may also decline — e.g., work-related costs like commuting — others may increase over time, Trawinski said, like medical costs, property taxes, home insurance and utilities.

Of course, you can downsize and move to a lower-cost area. But if you stay near where you lived during your career, your expenses are likely to rise over time.

technical analysis: saregama india limited (saregama) ✌️【Cover Letter】✌️ Professional investment advice with real-time updates on stock indices and futures data. Stay ahead with expert predictions and market insights. Also, Trawinski noted, if you’re married, consider what will happen to your household income when one spouse dies. This will help you assess your future comfort level in carryinga mortgage. “People often fail to plan for the death of a spouse. You can take a big hit to your income when that happens,” she said.

If you do move to a new state or region, weigh renting first. You can get a better sense of the cost of living in the area and decide whether it’s a good fit for you. As Stork put it, “Florida in August is not as fun as Florida in January.”

How much are you really willing to take on?All the usual financial decisions that go into homebuying apply no matter your age. But, in retirement especially, you don’t want to take on more debt than necessary, since the cost of a mortgage is fixed, but the returns on your investments, the housing marketand your health needs are variable.

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Beyond that, consider whether you feel comfortable keeping up — and paying for — maintenance on a home. Maintenance might amount to 2% a year of your home’s value, Stork said. That amounts to $10,000 a year on a $500,000 home. Maintenance is essential in preserving the value of your house should you ever decide to sell.

How would your mortgage interest rate compare to a reasonable rate of return on your investments?The decision to get a mortgage was a lot easier for retirees when rates were historically low — roughly 3% — and their nest eggs were earning a lot more. “But at today’s rates it’s a much harder calculation,” Stork said.

technical analysis: saregama india limited (saregama) ✌️【Cover Letter】✌️ Real-time global stock market trend analysis to help you identify profitable opportunities and improve your investment strategies. This is especially the case if you’re a very conservative investor. “If your CDs are earning 4% and a mortgage would cost you 7%, you will lose money every day on that decision,” Stork explained.

technical analysis: saregama india limited (saregama) ✌️【Cover Letter】✌️ Expert predictions on stock market movements with real-time data, ensuring you can make quick decisions and capture market opportunities. To get the truest reading on what makes financial sense, compare mortgage expenses to your investment returns on an after-tax basis, Stork noted.

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