Since we are 2 months out from closing date, think it is possible the lender wants to see the reserve money now or will wait until it is all there. It might be possible to use assets to qualify for a mortgage (assuming they are plentifulsufficient), but it might be easier to secure all mortgages before retirement.
Im planning to retire in 2. 5 years, sell my current home owned outright and purchase a home in another state. I expect to need some amount of mortgage in addition to the approx. 100k from the sale of current home.
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