{"id":7766,"date":"2026-09-20T23:02:59","date_gmt":"2026-09-21T03:02:59","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=7766"},"modified":"2026-09-20T23:02:59","modified_gmt":"2026-09-21T03:02:59","slug":"older-adult-deed-holders-at-work-we-see-you","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/older-adult-deed-holders-at-work-we-see-you\/","title":{"rendered":"Older Adult Deed Holders at Work: We See You"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-full is-style-rounded is-style-rounded--1\"><img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"632\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2026\/09\/older-adult-deed-holders-at-work.webp\" alt=\"\" class=\"wp-image-7767\" role=\"none\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2026\/09\/older-adult-deed-holders-at-work.webp 1400w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2026\/09\/older-adult-deed-holders-at-work-766x346.webp 766w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2026\/09\/older-adult-deed-holders-at-work-300x135.webp 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2026\/09\/older-adult-deed-holders-at-work-1024x462.webp 1024w\" sizes=\"auto, (max-width: 1400px) 100vw, 1400px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Working past \u201cretirement age\u201d has gone mainstream. Twelve million people aged 65+ continue to work.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many hang onto their deeds. And this includes deeds to every kind of home. Baby boomers without children present now own more 3+ bedroom homes than millennial parents with children.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In the past year, for the first time ever, the 70+ age bracket holds a larger share of <a href=\"https:\/\/www.deeds.com\/articles\/how-much-of-your-overall-wealth-should-your-real-estate-be\/\">U.S. real estate wealth<\/a> than the 40-54 age bracket. With about $15 trillion in real estate, these older adults hold more than a quarter of all wealth that deeds represent.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Fact: Seniors Buy Homes<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Seniors are buying, and they know exactly what they want. For many, this entails:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Good healthcare and local services.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Transit networks.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Restaurants, cafes, book shops, libraries, and parks.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Working or co-working spaces.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Inside the homes, they tend to look for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Safety features and ease of mobility.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A low-maintenance interior and exterior.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dedicated home office space, with plenty of outlets and good lighting.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Smart-home technology that\u2019s simple to figure out and use.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These factors may matter more than home size. All in all, sellers that want to include older home hunters should focus on the ways in which the home supports continued work <em>and<\/em> aging in place. Older adults want to know they can make the most of their home now, and later. Sellers need to show older buyers how their homes can fit the bill.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Fact: Seniors Are an Underrated Class of Borrowers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Older adults\u2019 real estate wealth is at an all-time high. Plus, many have taken on consulting roles, and some run their own home-based businesses. They need suitable homes, and they may need to finance or borrow against their homeownership.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yet the mortgage system is not designed for them. It fails to fully appreciate the older adult whose financial strength is made up of assets, savings, and a multi-decade record of good credit. &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Borrowing against home equity can help some older deed holders. (Granted, borrowing isn\u2019t always the perfect answer when interest rates keep rising.) Why might they wish to borrow? It might be for a roof replacement, or a new heating and air conditioning system. They could need to cover a medical bill that Medicare doesn\u2019t cover. Or they might want to install accessibility features in their homes. Some want to take advantage of the legal trend supporting <a href=\"https:\/\/www.deeds.com\/articles\/the-adu-a-housing-fix-for-seniors-and-their-families\/\">accessory dwelling units<\/a>, and add one to their property for a family member.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And seniors have a lot of equity to tap. Today, 54% of baby boomers hold their deeds free and clear.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But their financial profiles are viewed through underwriting systems that undervalue the senior applicant. Loan underwriting focuses on pay stub-based rules. This standard can undervalue the ways many older adults tend to work, as well as their mix of retirement and working income. Experienced mortgage consultants know. There\u2019s a term\u2014<em>asset-depletion underwriting<\/em>\u2014that lenders use for understanding assets as tantamount to income for the purpose of approving a loan application.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To quote Gerald M. Green, founder of the Veri-Search<sup>TM<\/sup> underwriting service, older adults with assets shouldn\u2019t be \u201cforced to navigate a patchwork of credit cards, high-cost loans, deferred maintenance, family pressure or poorly explained financial products.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Seniors might need to shop around for mortgage consultants experienced in working with older borrowers, and with applicants who don\u2019t receive W-2s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Note to our readers:<\/em><\/strong> <em>Deeds.com does not have any affiliation with, or intend to endorse, companies mentioned or cited in this article. Neither this website nor any other provides case-specific financial advice. Consult with your local professionals for individualized guidance.<\/em><\/p>\n\n\n\n<div class=\"wp-block-group has-accent-5-background-color has-background has-small-font-size is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\"><strong>Supporting References<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Anna Baluch for <em>Realtor.com<\/em>\u00ae, from the National Association of REALTORS\u00ae: <a href=\"https:\/\/www.realtor.com\/news\/trends\/senior-workers-downsizing-aging-in-place\/\" target=\"_blank\" rel=\"noopener\">Downsizing Doesn\u2019t Mean Retiring \u2013 What Today\u2019s Working Older Adults Want in a Home<\/a> (Aug. 11, 2026; citing the U.S. Bureau of Labor Statistics and other sources).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gerald M. Green, founder of Veri-Search, for <em>HousingWire<\/em> by HW Media, LLC: <a href=\"https:\/\/www.housingwire.com\/articles\/senior-wealth-underwriting-gap\/\" target=\"_blank\" rel=\"noopener\">Seniors Hold a Record Share of Housing Wealth. The Mortgage System Still Struggles to Underwrite It<\/a> (Jul. 1, 2026).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chris Clow for <em>HousingWire<\/em> by HW Media, LLC: <a href=\"https:\/\/www.housingwire.com\/articles\/homeowners-are-staying-in-place-twice-as-long-as-they-did-20-years-ago-redfin\/\" target=\"_blank\" rel=\"noopener\">Homeowners Are Staying in Place Twice as Long as They Did 20 Years Ago \u2013 Redfin<\/a> (Feb. 15, 2024).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And as linked.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Photo credit: <a href=\"https:\/\/www.pexels.com\/photo\/woman-in-gray-jacket-sitting-at-the-table-using-computer-8123903\/\" target=\"_blank\" rel=\"noopener\">RDNE Stock Project<\/a>, via Pexels\/Canva.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Working past \u201cretirement age\u201d has gone mainstream. Twelve million people aged 65+ continue to work. Many hang onto their deeds. And this includes deeds to every kind of home. Baby boomers without children present now own more 3+ bedroom homes than millennial parents with children. In the past year, for the first time ever, the [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":7767,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[107],"tags":[369,4043,1046,185,4045,179,587,4044,2753],"class_list":["post-7766","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-elder","tag-aging-in-place","tag-asset-depletion-underwriting","tag-baby-boomers","tag-home-equity","tag-older-home-buyers","tag-real-estate","tag-retirement","tag-senior-mortgages","tag-seniors-buying-homes"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Seniors Buying Homes Later: What Older Adults Want<\/title>\n<meta name=\"description\" content=\"Seniors are working and buying homes later in life. 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