Buying for Retirement: 3 Reasons Why You’ll Want to Buy Your Retirement Home Before You Retire

Many people dream of buying their ideal retirement home after their career has come to a conclusion – with all that extra free time it seems like it’d be the most logical time to shop around.

However, many real estate professionals strongly recommend that their clients find a retirement property before they’re off the payroll. While it may seem like a big time commitment to find a new home while you’re still busy with your work there are several significant financial benefits to purchasing your retirement home before you actually do retire. Here are our top reasons why.

It Makes Your Mortgage Easy

When you are employed it is easier to get approved for a mortgage. If you wait until after you retire to buy your retirement home, you may not have the income require to qualify for the mortgage that you need. Don’t limit yourself! Buy while you’re still employed to keep your options open.

It Leaves You With More Spending Money

Buying a new home while you have an income provides you with more security with your expenses, such as mortgage payments and planned upgrades or renovations. Having an income can also mitigate financial stress should you run into any unexpected expenses after closing.

It Leaves You Ready For Reality

You may think you can accurately predict the expenses of your new home, but if you buy the property before retiring it gives you time to get to know the true amounts of your monthly payments. This can help ensure that you have enough saved to retire and live comfortably in your new property, with no surprises for your budget. You’ll be in a better position to create a financial plan once you know the reality of owning your new home.

An Added Bonus: It Can Be An Income Property

If you decide to purchase your retirement home before you retire you don’t have to move into it right away. You can rent it out as an income property until you’re ready to settle in, which will not only help cover mortgage payments but will also allow you to see first-hand what the monthly expenses are for the property.

This will also prevent you from having to deal with a move while working; you can wait until you do finally retire before packing up your current home and moving into your new one.

Ready to find the perfect retirement property? Contact me today for more advice to set yourself up for the future – J.P. Cook – 602-320-4253.

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5153 N Main Drive Apache Junction, AZ 85120

$570,000

3 Beds

2 Baths

1,640 SqFt

Status Active Under Contract

MLS # 6690299

Property Type Single Family Residence

Price Type --

Beautiful 2.5 acres close to freeway, and surrounded by views, clear skies, city lights and peace and quiet! This 3 bedroom, 2 bath home has updating and room for the family. Updates include engineered wood flooring, Thermaster energy efficient windows, French doors, beadboard, stainless appliances, new roof and more. The great room is open concept with wood beams and a real wood burning fireplace. Bring your toys and horses as there is room for all! This horse property/mini farm has 2 stalls, a barn or 2 car garage, storage shed and a carport. Home has it's own well. The east 1.25 acres share a well with one other and can be subdivided. Easy to show. This property has something for everyone!

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3121 W Pima Street Phoenix, AZ 85009

$570,000

4 Beds

2 Baths

1,471 SqFt

Status Active Under Contract

MLS # 6760103

Property Type Single Family Residence

Price Type --

Investment opportunity! This property has many different potential uses. Fix up the houses and flip them, or even rent them. Depending on your desired outcome, you could remove the homes and build something else on the property. This property is zoned R-3 multifamily medium density. If you are looking for your next investment opportunity, you should look at this one.

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29810 W Bellview Street Buckeye, AZ 85396

$570,000

4 Beds

2 Baths

1,900 SqFt

Status Active

MLS # 6777916

Property Type Single Family Residence

Price Type --

Come and see this beautiful house with neutral tones through out, open floor plan, lots of natural light in the living area. Huge island in kitchen. Split floor plan, the back patio is huge, this house has pleanty of land, over 1 acre ready for you to give it your personal touch.

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22861 E Estrella Road Queen Creek, AZ 85142

$570,000

3 Beds

2 Baths

1,689 SqFt

Status Active

MLS # 6778158

Property Type Single Family Residence

Price Type --

Constructed in 2021 and situated in the sought-after Spur Cross community, this residence boasts a thoughtfully designed floor plan and an attached RV garage. The interior features an open great room concept, three bedrooms, and two bathrooms within 1689 square feet. The kitchen is equipped with espresso maple cabinets, granite countertops, a modern subway tile backsplash, stainless steel appliances including a gas stove, a walk-in pantry, and an island with a breakfast bar. Multi-panel center sliding glass doors open to a covered patio, an extended paver patio with a gazebo, and a private backyard with grass for kids and pets to play on. The primary bedroom includes an en-suite bathroom with a dual-sink vanity, a large shower, and a walk-in closet. The secondary bathroom also features a dual-sink vanity and a combination bathtub/shower. Additional amenities include a two-car garage with a utility sink and overhead storage, and the highlightan attached RV garage with front and rear doors. Community amenities include a fabulous pool, sports courts, a playground, and common areas.

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2245 Bear Claw Drive Overgaard, AZ 85933

$570,000

3 Beds

3 Baths

2,152 SqFt

Status Active

MLS # 6769611

Property Type Single Family Residence

Price Type --

Located in the heart of Heber-Overgaard, this charming log cabin is a true gem in Bear Country Estates. Set on a corner lot within a gated community, it boasts vaulted ceilings and an open floor plan that creates an inviting atmosphere. The interior features stunning knotty pine T&G ceilings and cozy knotty pine wood doors, while a rock-faced wood-burning fireplace adds warmth to the living space. Chalet windows frame the picturesque views of blue spruce trees outside. The modern kitchen is equipped with stainless steel appliances, and barn doors lead to a convenient laundry area. Upstairs, offers wood-stained interior doors and double doors leading into the master suite and luxurious dual sink master bath, complete with a garden tub/shower. Recent upgrades include a new roof and HVAC.... unit, both replaced within the last two years. The property also includes a detached two-car garage and is conveniently located near local services and forest service access, making it an ideal retreat for nature lovers. View Today!

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18003 N 135th Drive Sun City West, AZ 85375

$570,000

4 Beds

2 Baths

2,634 SqFt

Status Active

MLS # 6735710

Property Type Single Family Residence

Price Type --

Beautiful,completely remodeled 4 Bedroom/2 Bath home with paid off solar! All of the details have been thought through making it stylish, warm and functional. The home is perfect for entertaining or a quiet night by the cozy, electric fireplace. All work was permitted and completed by licensed contractors. New Wndows, Electrical, Plumbing, Fixtures, Paint, Flooring, ductwork, courtyard tile, Appliances and more. Roof was replaced in 2020 and HVAC in 2019. Seller to pay the $5000 SCW Asset Preservation Fee if COE by 12/31. Enjoy all of the amenities that the 55+ Sun City West provides! The new owner(s) will be able to pick out a backsplash of their choice for the kitchen and it will be installed by close of escrow.

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9322 W Juniper Road Strawberry, AZ 85544

Open House

$570,000

3 Beds

2 Baths

2,368 SqFt

Status Active

MLS # 6705096

Property Type Manufactured Home

Price Type --

Welcome to your new haven in Strawberry! This charming home offers the epitome of country living, nestled among majestic oaks and pine trees on a generous .5-acre lot. Step inside to discover a spacious great room with BRAND NEW vinyl floors, a soaring vaulted ceiling, and a recently remodeled kitchen. The kitchen is a culinary dream, featuring a gas range, stainless steel appliances, granite counters, new cabinets, a walk-in pantry, and a cozy breakfast nook. Unwind in the luxurious primary retreat, complete with an ensuite bath boasting a soaking tub, dual vanity sinks, and a separate walk-in shower. Additional bedrooms share a beautifully remodeled bathroom, ensuring comfort for the entire family. Outside, revel in breathtaking mountain views from both the front and back of the house. The serene atmosphere is enhanced by the absence of an HOA, allowing you the freedom to bring your horses and embrace your future options. Conveniently located just minutes from downtown Strawberry and surrounded by an abundance of riding trails, this home offers the perfect blend of tranquility and accessibility. Don't miss out on the opportunity to make this flexible and welcoming property your own slice of paradise. Come see this home today and experience the allure of country living at its finest!

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5526 S Grenoble Street Mesa, AZ 85212

$569,999

3 Beds

2 Baths

2,020 SqFt

Status Active

MLS # 6780096

Property Type Single Family Residence

Price Type --

Seller offers 5K towards buyer's Closing costs! The things this home has to offer!!! From the 3 Beds, 2 baths, the Glass Doors Studio/DEN to the Tankless Gas Water Heater, the water Softener and water Filter, to the hidden Safe, extended cabinets at kitchen, the quartz countertops, Murphy Bed for your guests, to the surround system in the great room and the TV on the patio, colorful outdoor Jacuzzi to relax under the pergola, the outdoor lightening, Variety of Fruit Trees, and top it off with the separate doggy play area. Come see it and you will fall in love!

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3956 E Constitution Drive Gilbert, AZ 85296

$569,999

3 Beds

2 Baths

1,954 SqFt

Status Active

MLS # 6725786

Property Type Single Family Residence

Price Type --

Welcome to Segretto- The private and quiet community nestled in the heart of Gilbert- just minutes from the Agritopia Epicenter (home of some of the best dining in Gilbert), San Tan Marketplace and just a mile from the 202 freeway entrance! This adorable home features a bright and open floorplan with an oversized living room perfect for gatherings and entertaining! The gorgeous kitchen features white shaker cabinets, trendy backsplash, stainless steel appliances and a large kitchen island and breakfast bar. All fixtures throughout have been upgraded and updated including toilets, faucets and light fixtures. Don't forget the tankless water heater. This home backs to county island homes for ultimate privacy. Backyard beautifully landscaped with grass and a spacious covered patio!

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2471 E Stacey Road Gilbert, AZ 85298

$569,999

4 Beds

3 Baths

2,121 SqFt

Status Active Under Contract

MLS # 6739474

Property Type Single Family Residence

Price Type --

Welcome to your dream home in the highly sought-after community of ADORA TRAILS in Gilbert! This single story home has 4-bedrooms, 3-full baths, a Den/Flex space & sits on a desirable corner lot. As you step inside, you'll be greeted by an open & inviting floor plan, perfect for modern living & entertaining. The 2nd guest bedroom, full bath & den'/flex space are perfectly appointed off the foyer of the home. The kitchen features granite countertops, ample cabinet space, a kitchen island with pendulum lighting & breakfast bar seating that seamlessly flows into the formal dining area & spacious family room complete with a 12' sliding glass door, overlooking the expanive covered patio. The primary suite has everything you could ask for complete with on on suite bath with dual sinks.... seperate shower/tub, a private toilet room & spacious walk in closet. The 3rd & 4th bedrooms are accompanied by their own full bath, making this home the perfect floorplan for a family, residents that work from home and/or someone who likes to entertain with guests! Outside, the easy maintenance front yard is perfectly designed & the backyard is complete with desert rock & ready for a new owner to create their dream oasis. Nestled at the base of the majestic San Tan Mountains, this family-friendly neighborhood offers the perfect blend of natural beauty & modern convenience. Residents of the master planned community of Adora Trails enjoy access to a wealth of community amenities including: 10-Acre Neighborhood Park, 12 Miles of Walking Trails, 10,000 Sq. Ft. Clubhouse/Activity Rooms, Fitness Center, Community Swimming Pool, Water Playground, Adora Trails Lake Featuring Fresh Water Fishing, Picnic Tables, Grilling Stations, Shaded Ramadas Playgrounds & Championship Basketball Courts.

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11950 W Parkway Lane Avondale, AZ 85323

$569,995

4 Beds

2 Baths

2,370 SqFt

Status Active

MLS # 6741755

Property Type Single Family Residence

Price Type --

Welcome to this exciting Raleigh home, ready for quick move-in! Included features: a covered entry; a gourmet kitchen offering 42' cabinets, quartz countertops, stainless-steel appliances, an island, and large butler's and walk-in pantries; an open dining nook; an impressive great room with center-meet patio doors; a beautiful primary suite showcasing a sizable walk-in closet and a private bath with double sinks; a spacious study; three secondary bedrooms with a shared bath; a central laundry and a cheerful covered patio. This home also boasts soaring 10' ceilings, wood laminate flooring, cultured marble bath countertops, extra windows and ceiling fan prewiring in select rooms, front yard landscaping and concrete pavers at the driveway and walkway.

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682 E Aurora Drive San Tan Valley, AZ 85140

$569,990

4 Beds

2.5 Baths

2,094 SqFt

Status Active

MLS # 6768688

Property Type Single Family Residence

Price Type --

Almost Complete! This gorgeous Santa Rosa II home offers a beautifully designed split floor plan with 4 bedrooms (in lieu of the home office) and 2.5 bathrooms. The spacious great room and kitchen, highlighted by a stunning vaulted ceiling, create the perfect setting for entertaining. The kitchen is a showstopper, featuring our Loft-inspired ''Looks'' collection with sleek dark blue cabinets, brushed nickel hardware, stylish floating shelves, and sparkling quartz countertops. The luxurious Primary Suite offers a serene retreat, complete with a spa-like bathroom and a generous walk-in closet. Every detail of this home has been thoughtfully crafted to create a blend of modern comfort and elegance. Don't miss your opportunity to own this beautiful home—make it yours today! Up to 6% of Loan Amount can be applied towards closing cost and/or short-long term interest rate buydowns when choosing our preferred Lender. Additional eligibility and limited time restrictions apply.

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