Wow, its sounds like you’ve set the stage for a financially stable retirement! When you buy your new home the lender will review your application based on your credit and income situation at the time you apply for the loan. Age should not play any role (there’s a law against it!) in the processing of your application or the choice of loan. Of course, you’ll want to make sure you’re buying a home that is affordable now and forever. A good rule of thumb is to limit your total housing costs (principal, interest, taxes, and insurance) to less than 28 percent of your gross income. To do that you may have to pull some cash out of pocket to lower the monthly financial commitment. Because you, even if your lender doesn’t, should make this calculation based on your retirement income.