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I am retiring in two years. Should I buy now?

I will retire in two years and want to buy a home in Texas to be closer to family; currently in Pennsylvania. My thought process - I still would have a job (credit score is in the exceptional range) and I would have a couple to years to make any improvements to the home while still employed. Inventory is high right now and I may be able to get a good deal. Is this a wise idea? (note - Cedar Hill or Duncanville TX is where I am currently looking)
Asked By Biddy Brooks | Cedar Hill, TX | 22 views | Buying | 5 days ago
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Novice
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Gus Cedillos

KGC Realty Group

(89)

Hello there! You are correct about the high inventory, good time to snag a great deal on a house. Regarding your retirement situation based on the info you provided, Yes, buy now while you still have the current income. We can discuss further if you like. I'm in the Dallas area.
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Katie Hanner

Thrive Realty | Leander Real Estate Agents

(8)

You’re in a great position to lock in a Texas home before retirement. With your exceptional credit and steady job, you’ll qualify for the best loan programs, and today’s high inventory gives you real bargaining power. Buying now in Cedar Hill or Duncanville means you can spread any renovation work over the next two years while you’re still working—no rush, no stress. You benefit from building equity early and getting ahead of potential price gains once inventory tightens. A couple things to keep in mind: interest rates affect your monthly payment more than home price, so watch the market and consider locking a rate when you feel good about it. Factor in property taxes in your budget (that is sometimes a shock for people relocating to TX), and leave plenty of wiggle room for upgrades

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