Yes. Retirement income qualifies, and it's rarely the obstacle. All qualifying income needs is a reasonable expectation of continuing for at least three more years. Social Security, pensions, and 401(k) or IRA distributions all clear that bar. For a retirement account like a 401(k), the standard approach takes the account balance and divides it by 36 months to arrive at usable monthly income. If your documented monthly distribution is at or below that figure, it can be used to qualify. Mathematically the account could run dry before 36 months at that draw rate, but the guideline is written to confirm the income stream is real and supportable. Guidelines change, so confirm the current calculation when you get there. Whether a specific future refinance pencils out is a separate question, and it depends on things nobody can know in advance: what you'll owe, what you've saved, and where rates sit at the time. Nobody can promise where rates go. But the income side is well established. When you're closer, the free Roadmap conversation (about 20 minutes) is where we run your real numbers.