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A retirement community is a particular neighborhood that has been built for adults who are at least 55 years of age. The agent limit, however, is not always set in stone and can be as young as 50 and as old as 60 for a starting point. Most seniors living in retirement communities are in fact retired from their nine to five jobs. Retirement communities can be single family homes, condos or even apartment living. Sometimes these neighborhoods can be gated for additional security.<\/p>\n\n\n\n
Retirement communities are an attractive option for older home buyers, and for a good reason. These communities offer a broad range of choices (the more expensive the community, the more it generally has to offer), all of which are designed to make retirement more attractive, healthier and more enjoyable than it would be if you were to buy and live in the average neighborhood. Quite often 55 and older housing offers amenities that other places might not have much like living in a hotel.<\/p>\n\n\n\n
Some adult living communities require you to purchase a membership to live there, which can be expensive. There will usually be costs associated with community management, upkeep for your home and landscape and possibly other expenses. The more services offered, or the more exclusive the community, the more costly it is to live there. You should choose a community that works with your budget.<\/p>\n\n\n\n
When you know what you want to spend your time doing in retirement, it is easier to choose a place that offers what you need at a price you can afford. If golf is your obsession, obviously a community near a country club would be ideal. But if you want to spend your time exploring museums and cultural offerings, a city-based community might be better.<\/p>\n\n\n\n
Although the real estate can be pricier, the city makes getting around easy and puts you close to so many different things. The closer you can be to the things that you want, the less time wasted commuting and the less stress you will deal with. Maybe being close enough to family and friends is important? If that\u2019s the case, then it probably would not be wise to purchase a retirement home out in the boonies somewhere.<\/p>\n\n\n\n
While you may have discovered what feels like the best retirement community around, don\u2019t forget about your surroundings. Many buyers forget to research the amenities they are accustomed to having elsewhere. Here is an excellent resource that explains how to pick a neighborhood. Take a look at many of the things you should be thinking about when choosing a neighborhood such as:<\/p>\n\n\n\n
These are all things worth finding out about when you are purchasing into an over 55 retirement community. You only have one shot at getting this right. Selling again in a couple of years is probably not on your radar. Here are even more neighborhood details to be thinking about. Knowing the neighborhood is important!<\/p>\n\n\n\n
While choosing the 55 and over community, you will be happy with could depend largely on your surroundings, don\u2019t underestimate the importance of the home or condominium you choose to live in! Over 55 housing often has different features and perks than you would find in traditional housing.<\/p>\n\n\n\n
For example, are the doorways in the home set up for easy access with a wheelchair? While nobody wants to think about this kind of things, it could become necessary somewhere down the line. Maybe due to health or injury concerns you need a first-floor master bedroom, so you are not going up and down stairs? Are the baths handicap accessible? These are the kinds of things to think about when purchasing 55 and over housing. Handicap accessibility may not be an issue now, but it could be sometime in the future.<\/p>\n\n\n\n
Most retirement communities will want to verify that you are a good fit before you are allowed to join. The more exclusive the community, the more thoroughly it will scrutinize you. Management may ask for your financial records and references. You can talk to your real estate agent and the residents of the community to find out what kind of questions you will be asked.<\/p>\n\n\n\n
You can also ask management directly. Find out what they are looking for before you apply, so you can prepare and increase your odds of acceptance.<\/p>\n\n\n\n
The people currently living in the community will be your future friends \u2013 or your future enemies. You are moving to the town to start a new chapter of your life, to take advantage of your freedom and to spend time with other people in a similar stage of life. While you can\u2019t expect to like every person living there, you should try to talk to quite a few of them to see if you think you will like being around them.<\/p>\n\n\n\n
If you are a senior purchasing a retirement home, it is certainly possible you are paying cash. If that\u2019s not the case, it is important to understand your financial options. Some seniors may even consider getting a reverse mortgage if they are no longer working and looking for an income stream.<\/p>\n\n\n\n
Reverse mortgages can be a great loan product under those circumstances. Make sure, however, that you understand reverse mortgage pros and cons. If you are over 62 years of age, it\u2019s a financing option worth looking into. Reverse mortgages are not for everyone. Be sure you speak to someone reputable when looking for this kind of financing.<\/p>\n\n\n\n
Most seniors who are opting for 55 and older housing are probably not thinking about selling anytime soon. This, however, is a weak reason not to check on the local re-sale value of this type of housing. There have been periods of time where this kind of housing flooded the market, causing market values to drop. Make sure you speak to a top local real estate professional who can guide you on the projected re-sale value. Is purchasing an over 55 property a good idea in the location you are thinking about? Doing your homework is wise.<\/p>\n\n\n\n
One last important point worth mentioning \u2013 there is a big difference between assisted living and traditional over fifty-five housing<\/em>. When people hear the words \u201cretirement community\u201d different things can come to mind. This is a great article that explains the various types of senior housing choices. Assisted and residential care homes are not the same things as an over 55 development.<\/p>\n\n\n\n You are going to have a lot of options for retirement communities, and you may have trouble finding a clear winner. Once you have considered all the relevant factors \u2013 cost, location, activities, current residents, management, etc. \u2013 you are going to have to make a decision. Trust your intuition and go with what feels right.<\/p>\n","protected":false},"excerpt":{"rendered":" A retirement community is a particular neighborhood that has been built for adults who are at least 55 years of age. The agent limit, however, is not always set in stone and can be as young as 50 and as old as 60 for a starting point. 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