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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3406 E Libby Street Phoenix, AZ 85032

Open House

$560,000

3 Beds

2 Baths

1,560 SqFt

Status Active

MLS # 6717614

Property Type Single Family Residence

Price Type --

Welcome to this beautifully updated three-bedroom, two-bath home nestled in a prime location backing directly onto a beautiful golf course. This open-concept floorplan boasts a bright and spacious layout, The kitchen flows seamlessly into the living and dining areas, ideal for entertaining. Step outside to your private oasis which features a view fence that showcases the golf course, a large putting green, and a chipping area, perfect for golf enthusiasts. Enjoy evenings by the firepit, soaking in the serene surroundings of AZ. Best of all, there's NO HOA, offering you unparalleled freedom and flexibility.

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16972 W Alice Avenue Waddell, AZ 85355

Open House

$560,000

4 Beds

3 Baths

2,788 SqFt

Status Active

MLS # 6763393

Property Type Single Family Residence

Price Type --

This better-than-new 4-bedroom + Den, 3-bathroom home is nestled in a peaceful community with no homes behind, offering ample privacy. Conveniently located near shopping, dining, and entertainment, you'll have everything you need just minutes away. Whether you're looking for a primary residence or an income generating property, this home is perfect - currently operating as an established Airbnb. It features a family room and upstairs loft, highlighted by fresh interior paint, soft carpet and wood-look tile flooring. The oversized primary bedroom on the main floor has an oversized ensuite bathroom with double sinks and a walk-in shower. The kitchen offers a pantry, granite countertops, a kitchen island and an eat-in dining area. The exterior features a covered patio and lush real grass!

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3839 N St Elias Circle Mesa, AZ 85215

$559,999

3 Beds

3 Baths

2,181 SqFt

Status Active

MLS # 6766638

Property Type Single Family Residence

Price Type --

Welcome to 3839 N St Elias Cir, nestled on a quiet cul-de-sac with mountain views in the highly desirable Red Mountain Ranch community of Mesa, AZ. This 3 bedroom home, plus a spacious den, offers not only a beautifully maintained interior but also a lifestyle that embraces Arizona's natural beauty. The peaceful backyard is a private retreat with a large, extended covered patio, perfect for dining, surrounded by vibrant landscaping. From your kitchen window, enjoy the view of blooming flowers and frequent hummingbird visits. The cozy gazebo offers a shaded sitting area, making it the ideal spot to savor your morning coffee. Inside, the home features soft, clean carpeting with upgraded padding, providing comfort underfoot. High ceilings and very large energy efficient windows invite an abundance of natural light, creating a bright, airy atmosphere throughout. The kitchen overlooks the living room and is designed with granite countertops, stainless steel appliances, and soft close cabinetry, blending style and function. The den, larger than a standard bedroom, is equipped with custom shelves and drawers, offering versatility for work or leisure. Living in Red Mountain Ranch means more than just a home; it's a lifestyle. With access to world class golf courses, fitness centers, hiking trails, and more, there's always something to enjoy. Plus, located just minutes from the Red Mountain 202, the home's location provides easy access to local dining, shopping, and entertainment. This well maintained property combines comfort, convenience, and a true sense of community. With its move in ready condition and prime cul-de-sac location, this home is a perfect sanctuary for those looking to embrace both relaxation and an active lifestyle.

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4324 W Orchid Lane Glendale, AZ 85302

$559,999

3 Beds

2 Baths

2,237 SqFt

Status Active Under Contract

MLS # 6755871

Property Type Single Family Residence

Price Type --

A stunning and completely renovated home boasts an open floorplan, 3 bedrooms, 2 bath and a Den with 2237 sqft, 2 car garage with a large backyard RV gate & parking, large lot room for all the toys and a sparling pool with covered patio. The kitchen comes with stainless-steel appliances, quartz countertops and brand-new white shaker cabinets. Brand new vinyl wood flooring & upgraded carpet throughout the home. Enjoy the fully upgraded, spa like bathrooms with high end shower system, framed mirrors, shower niche, and custom vanities. Brand new water heater. Located in a lovely desirable neighborhood located close to shopping, parks, schools, and dining. No HOA's A Must see

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3224 W Garnet Street San Tan Valley, AZ 85144

Open House

$559,995

3 Beds

2.5 Baths

2,212 SqFt

Status Active

MLS # 6773032

Property Type Single Family Residence

Price Type --

Pack your bags, this home is move-in ready! This home sits on an oversized 9,145sqft lot, ideal for a backyard oasis. The oversized kitchen island is the perfect centerpiece for entertaining. The open-concept kitchen flows effortlessly into the great room and dining room, making this floor plan ideal for entertaining. A first-floor office provides the space to work from home. The home is complete with designer curated finishes.

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5608 W Paseo Way Laveen, AZ 85339

$559,990

3 Beds

2.5 Baths

2,024 SqFt

Status Active

MLS # 6744935

Property Type Single Family Residence

Price Type --

''Discover the perfect blend of style and functionality in The Topaz, a meticulously designed 3-bedroom, 2.5-bath home offering just over 2,500 square feet of luxurious living space. This stunning residence features a striking Craftsman exterior, setting the stage for a refined and welcoming interior. Step inside to be greeted by a spacious den perfect for a playroom and office. The heart of the home, the kitchen, is a chef's delight with its sleek 42-inch upper cabinets. The kitchen island contrasts elegantly with gray cabinetry and is complemented by matte black hardware, while the pristine white quartz countertops and neutral gray backsplash add a touch of sophistication. Top-of-the-line stainless steel appliances, including a refrigerator, gas stove, microwave, and dishwasher, are perfectly paired with a single-bowl stainless steel undermount sink and an upgraded faucet for a contemporary finish. Enjoy the convenience of 6x36 wood-like tile flooring throughout the main areas, paired with 9-foot ceilings and 8-foot interior doors that enhance the sense of space and openness. The expansive living room features a large 4-panel sliding glass door that seamlessly connects indoor and outdoor living, offering a light-filled, airy ambiance. The layout is thoughtfully designed with secondary bedrooms positioned at the front of the home, providing a private retreat for family or guests. The serene primary suite, tucked away at the back, is a true sanctuary. It boasts a spacious layout and an indulgent bathroom with dual square sinks, quartz countertops, and upgraded matte black fixtures. Quartz surrounds for the countertops add a luxurious touch to your daily routine. Additional features include a 3-car garage with a convenient garage door opener and a washer and dryer for added convenience. With its blend of modern amenities and thoughtful design, The Topaz offers the perfect setting for comfortable and stylish living. Experience the refined elegance of The Topaz Floorplanwhere every detail is designed with your comfort and convenience in mind.

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5607 W Paseo Way Laveen, AZ 85339

$559,990

4 Beds

3.5 Baths

2,623 SqFt

Status Active

MLS # 6728643

Property Type Single Family Residence

Price Type --

Introducing the exquisite Jade floorplan, a haven of sophistication and comfort. With over 2600 square feet, this spacious residence boasts 4 bedrooms and 3.5 baths, complemented by a 3-car garage and features such as a formal dining area and butler's pantry—ideal for entertaining guests in style. Approaching the home, its picturesque farmhouse exterior, accented by a charming paver driveway, sets the stage for the exceptional elegance within. Step inside to discover a gourmet kitchen that is the heart of the home, featuring 42-inch white shaker style cabinets adorned with gun metal hardware. Mosaic white backsplash flows seamlessly with the pristine Carrara style white quartz countertops, offering a timeless canvas for culinary creativity. The expansive great room, bathed in natural light streaming through a magnificent 4-panel sliding glass door, seamlessly connects indoor and outdoor living spaces. Enjoy gatherings or quiet moments alike in the expansive backyard oasis beyond. Throughout the main living areas, 6 by 36 wood-like plank tile flooring provides not only durability but also warmth and visual appeal. This flooring choice enhances the home's charm and complements its modern design elements. Every bathroom in the Jade Floorplan is a testament to luxury, boasting round sinks with upgraded matte black finishes. Quartz countertops grace each bathroom, continuing the theme of sophistication and quality craftsmanship. Additional features include stainless steel appliances throughout, encompassing a washer, dryer, refrigerator, and garage door opener, along with a soft water loop for enhanced comfort and convenience. This meticulously crafted residence exemplifies the perfect union of luxury and practicality, offering a haven for discerning buyers seeking a superior lifestyle. Experience the unparalleled elegance of the Jade Floorplan firsthand.

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16911 W Jenan Drive Surprise, AZ 85388

$559,990

3 Beds

2.5 Baths

2,587 SqFt

Status Active

MLS # 6758419

Property Type Single Family Residence

Price Type --

MLS#6758419 January 2025 Completion! The 45-RM3 at Paradisi Almeria Collection is a single-story home offering 2,587 square feet of living space, with 3 bedrooms, 2.5 bathrooms, a study, and a 2-car garage. The foyer guides you past the secondary bedrooms and laundry room, leading into a spacious open-concept kitchen, casual dining area, and gathering room. Conveniently located off the kitchen and dining space, the study offers added flexibility. The primary suite features a large walk-in closet, dual vanities, and a split tub and shower in the bathroom, perfect for enjoying a relaxing soak. Structural options include: gourmet kitchen with gas cooktop, 12' multi slide glass door, 8' interior doors, garage service door.

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12246 W Lonesome Trail Peoria, AZ 85383

$559,990

4 Beds

2.5 Baths

1,967 SqFt

Status Active

MLS # 6775929

Property Type Single Family Residence

Price Type --

MLS#6775929 February Completion! The Champlain in Mystic Discovery offers a stunning single-level design with 1,967 square feet of comfortable living space, including 4 bedrooms, a study, 2.5 baths, and a 2-car garage. Located in a master-planned community nestled in the scenic hills of North Peoria, this neighborhood features a resort-style amenity center complete with a heated pool, event lawn, covered outdoor play area, and inviting indoor-outdoor gathering spaces. The Champlain's Tuscan-inspired elevation adds instant curb appeal, while its thoughtfully selected interiors feature upgraded quartz countertops, 42'' recessed panel maple cabinetry, a custom kitchen backsplash, upgraded carpeting, and elegant matte black hardware.

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13593 W Calle De Pompas -- Peoria, AZ 85383

$559,990

3 Beds

2 Baths

1,800 SqFt

Status Active

MLS # 6785551

Property Type Single Family Residence

Price Type --

Move-in ready - The Hewitt II, situated on a corner lot with breathtaking White Peak views in Northpointe at Vistancia, is a beautifully designed single-story home with an exceptional layout and stylish designer upgrades throughout.

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14155 W Alameda Road Surprise, AZ 85387

$559,990

3 Beds

2.5 Baths

2,226 SqFt

Status Active

MLS # 6734303

Property Type Single Family Residence

Price Type --

MLS#6734303 November Completion. The 50RM1 floorplan at Raveena at Rancho Mercado features 4 bedrooms, a flex room, 2.5 bathrooms, a 3-car garage, and 2,226 sq ft all on one level. Upon entering the foyer, you'll be captivated by the open-concept design, leading to a spacious gathering room, dining area, and a gourmet kitchen. The outdoor living space is perfect for al fresco meals and family time. The owner's suite, secluded for privacy, offers double vanities and a generous walk-in closet. The flex room is ideal for a home office or study area. Two additional bedrooms and a laundry room complete this luxury home. Structural options include: covered outdoor patio, paver front porch, garage service door, alternate A/C location, and soft water loop.

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14632 W Georgia Drive Surprise, AZ 85379

$559,990

4 Beds

2.5 Baths

2,908 SqFt

Status Active

MLS # 6744715

Property Type Single Family Residence

Price Type --

Take advantage of VA assumable loan at 2.75%. Welcome to your move in ready home with a Modern Barn style featuring an Open Floor plan, 4 Bedrooms, 2.5 Bath, Den/Office, Loft, Gourmet Kitchen with upgraded grey cabinets, Quartz countertops with glass tile backsplash & stainless-steel appliances, Walk in Pantry nestled next to a charming shiplap mudroom, large island opens to the Great Room complemented by elegant wainscotting wall with tile planks flooring, Master Suite with separate shower and soak in tub, walk in closet. Did I mention energy efficient with solar panels, RO system & water system, 3rd car garage! The extra-large patio slider welcomes you to an extended Patio cover. perfect for entertainment with a custom BBQ, large backyard! The community features resort style amenities including pool, clubhouse, fitness center, BBQ are and much more. Very close to the 303 & shopping center.

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