I am 72. Can I still buy a house?

Hi Rose, you're able to buy a home long as you can qualify for a loan, lenders don't have an age limit, long as your credit scores are good, you have down payment reserves and your debt to income ratio is in range to qualify for a loan you should be good to buy a home. Contact your local area real estate agent to assist you with you needs and contact a lender to see how much you can qualify for.

Of course, as long as you have income and meet the mortgage requirements or have the cash to purchase you should be fine, barring any extenuating circumstances like non-citizenship or being on the FBI wanted list. Good luck! Keith Jean-Pierre Managing Principal The Dapper Agents Operations In: NY, NJ, FL & CA

Yes, you can. There's no age limit for buying a house. Lenders can't discriminate based on age. If you're getting a mortgage, they'll look at your income (Social Security, retirement accounts, pensions) to make sure you can afford the payments. As long as your income supports the loan, you're fine. If you're paying cash, it's even easier. Just make sure the house works for you long-term and fits your budget.

Absolutely — yes, you can buy a house at 72. Age is not a barrier to getting a mortgage or purchasing property in the United States. Lenders are prohibited from using age as a factor in approving or denying a loan. Here’s what actually matters. What lenders look at (not your age) - Income (Social Security, pension, retirement accounts, investments all count) - Credit score - Debt‑to‑income ratio - Assets and reserves - Property type and condition As long as those pieces check out, you can absolutely qualify. How mortgages work for older buyers Lenders cannot ask how long you expect to live or make assumptions about your lifespan. They only need to verify that you have stable, reliable income to cover the payment. Many buyers in their 60s, 70s, and 80s use: - Social Security - Pension income - Required minimum distributions - Retirement savings - Annuities - Investment income All of these are acceptable. Common advantages at your age You may actually have more flexibility than younger buyers: - Stronger credit history - More savings or equity - Lower overall debt - Ability to buy with a larger down payment Some buyers even choose 15‑year loans to build equity faster, while others prefer 30‑year loans for lower monthly payments. Both are allowed. Bottom line Being 72 does not limit your ability to buy a home. If the finances make sense and the property fits your lifestyle, you can move forward confidently

Yes—you absolutely can buy a house at 72. There is no age limit for buying a home. Lenders are not allowed to deny a loan based on age alone. What they focus on instead is your financial profile. What lenders typically look at: • Income (Social Security, retirement, pensions, etc.) • Credit score • Debt-to-income ratio • Assets and savings Many buyers in their 60s, 70s, and beyond successfully purchase homes every year. Options some buyers in this stage consider: Depending on your goals, you might look at: • A traditional mortgage • Downsizing to a smaller, easier-to-maintain home • Paying cash (if applicable) • A reverse mortgage (in certain situations, depending on your needs) What matters most: The key question isn’t age—it’s: • Does the payment fit comfortably within your budget? • Does the home support your lifestyle needs now and in the future? Many buyers at this stage are looking for: • Simplicity • Lower maintenance • A home that fits their long-term plans A good next step: Speaking with a lender can help you understand what options are available based on your income and goals. You’re definitely not alone—many people choose to buy later in life for the right reasons. — Becky Groe Coldwell Banker Realty

Yes — you can absolutely buy a house at 72. Age cannot be used against you when qualifying for a mortgage. What really matters is your financial profile, not your age. Lenders will look at things like: Income (retirement, Social Security, pensions, etc.) Credit score Assets and reserves Depending on your situation, you may also want to explore options like a reverse mortgage for purchase, which can allow you to buy with a larger down payment and no required monthly mortgage payment. Bottom line: you have options. The key is working with the right lender and real estate team to find the best strategy for your goals.

Yes, you can still buy a home when you are 72. There is no discrimination in Real Estate. You likely have a couple of options including a reverse mortgage. You should start by talking to a lender.

Absolutely. Age is not a factor in qualifying for a mortgage. The Equal Credit Opportunity Act prohibits lenders from discriminating based on age. A 72 year old and a 32 year old are evaluated on the same criteria: income, assets, credit history, and debt. If the numbers work, the loan gets approved. Fixed income from Social Security, pensions, and retirement accounts all count toward qualifying. The math just needs to work on paper the same way it would for any borrower. What does change is the conversation around which home and which loan actually fits your life right now. Maintenance load, accessibility, proximity to family or healthcare, and long term livability all deserve a spot in that discussion alongside price and location. The SRES designation exists specifically for this stage of life. It means your agent understands the financial and lifestyle considerations that come with buying later in life and can help you make a decision that works for the years ahead. Can you buy at 72? Absolutely. People do it every day. The question is just making sure the right home meets the right plan. Amanda Mullins, MBA, SRES REALTOR® | eXp Realty Southwest Ohio | Referrals Nationwide movesmartwithamanda.com

You sure can! Buying a home has no age limit. If it is a good investment for you, then I think it's a wonderful idea. You have options for purchasing, buying all cash or financing. For financing the lender will have requirements you need to meet, but age is not one of them. They include income, assets, credit score and debts that will be reviewed.

Hi Rose! You most certainly can still purchase a home. I've helped many people in their 70s purchase homes in 55+ Communities. Wishing you happy buying! Alāna Mey Real Estate Broker in Bellingham, WA Compass www.AlanaMey.com

Absolutely!! Anyone can buy a home.

of course, the lenders can't discriminate against a person for their age

Absolutely! I just helped a couple sell their home in Burien, WA and they purchased in a 55+ active living community in Lacey, WA...the husband is in his 70's Another client just moved up from California and purchased in University Place and she is in her 70's as well. There is no age restriction when purchasing a home : )