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Retiring is a great life accomplishment While you can use retirement funds from a 401(k) or ira to purchase a home, it might not be a smart financial move. Learn how to buy a retirement home and what you need to buy a home after retirement.

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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 market. It can be tricky for seniors to get a mortgage in. Buying a house as you near retirement age can have a lasting impact on your retirement finances

Here is what you should consider before buying.

Retirees who are considering a move that involves buying a home may want to consider how they'd finance the purchase