The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

Professional infographic with a teal background and bold cream text stating: 'Can You Get a Mortgage Without a Job in Retirement?' Below, orange icons represent a person and financial document. The lower section reads: 'Yes, Retirement Income Can Be Used to Qualify,' highlighting mortgage options for retirees.

How Retirees Can Use 401(k) or IRA Income to Qualify for a Mortgage

By Scott Sheldon / August 7, 2025

Can You Get a Mortgage Without a Job in Retirement? If you’re retired or nearing retirement, you might be wondering: Can I get a mortgage without a job? The answer is yes—you can. In fact, both FHA and conventional loans allow you to qualify using retirement income, including distributions from 401(k), IRA, pensions, or annuities.…

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