Whatever you do, I wish you the best!!
I guess the first question is where in NC do you want to retire? Second question, do you want to live in a house, condo, patio home? Or, do you want to build your own home? I have helped people who have a few years to work buy town homes and condos which the use as second homes until they actually retire. The HOA takes care of the grass and ouside maintainence so there is no worries as far as that goes. I have one client from Queens who bought a lot and wants to put a modular home on it when he reitres next year. I bought a condo 6 years prior to moving here and rented it until I got here (from NY). I have another client that bought a condo that she is leasing to her retired parents until she gets here. Pices have never been better for the buyer.
As far as financing, It is always easier if you have a job. However, unless you are using the home as your principal residence you will not qualify for the first time home buyers tax credit at this time.
I hope this info was helpful. You can contact me through my website if you have other questions.
I would absolutly start the process now and buy while you are gainfully employed. It is very difficult to get a loan these days especially if you are retired. So, That being said, If you will e-mail me your contact information or call me I can begin sending you some homes to look at via the internet and send you area and tax information to get you started. If you e-mail I will need your contact info, e-mail adress and things like this:
NUMBER OF BR:
NUMBER OF BA:
MIN. SQ. FOOTAGE:
and any other special needs that you may have:
Or you can call me direct and we can discuss over the phone. My direct line is 704-619-7355 Shelley Simmons My e-mail is CarolinaMegateam@aol.com
I look forward to hearing from you!