No paycheck doesn't mean no mortgage. Social Security, pensions, and your portfolio all count — and Arizona's cost of living makes the math friendlier than the state you're leaving.
Plan the moveEvery source, grossed and documented — most retirees qualify for more than they assume.
Sell first, buy first, or bridge — each has a cost and a comfort level.
Bigger down payment vs. keeping the portfolio invested — a real conversation, not a default.
Keys, cactus, and winters you'll text the grandkids about.
Retirees and almost-retirees heading to the Valley for the winters everyone brags about.
General guidelines, not a loan offer — programs and terms depend on your full picture.
No pressure, no jargon — just a straight answer about where you stand.