The Mortgage Files

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

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.…