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Why Retirees Are Taking Out Mortgages on Purpose

August 8, 2025 by Rilian Ball

For generations, the goal was simple, pay off your mortgage before retirement and enjoy your golden years debt-free. But today’s retirees are changing the conversation. More and more, homeowners in or near retirement are choosing to take out a mortgage on purpose, not out of necessity. And for many, it is a smart financial move. So why would someone take on a mortgage after age 60, 70, or even 80? The answer lies in strategy, flexibility, and long-term planning. Preserving Retirement … [Read more...]

Filed Under: Mortgage Tips Tagged With: Mortgage In Retirement, Retirement Mortgage, Smart Retirement Planning

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Rilian Ball


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Rilian Ball
NMLS # 202687

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