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May 24, 2013 Here's a heads-up for the growing ranks of seniors whose post-retirement monthly incomes aren't sufficient to qualify for a mortgage under today's tough underwriting That, in turn, might open the door to a money-saving refinancing to a lower-rate loan or a downsizing purchase of a new house or condo.

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Things to Consider. Before You Borrow. The Thrift Savings Plan was designed to provide you with income after you retire. The amount you will have in your account at retirement de- pends on the decisions you make—how much you contribute, how you in- vest, and whether you take money out of your account —before you