That wouldn't work in my scenario since I had already quit and the gap in W2 makes you suddenly high-risk. But yes, the fatFIRE people recommend getting the mortgage before you retire, which is what I should have done.
I agree with claytongulick's point too, I'd feel bad about applying anywhere with this intent.
I agree with claytongulick's point too, I'd feel bad about applying anywhere with this intent.