You have not mentioned your savings, investments, or if you presently have a home to sell. The goal for most is to not have a mortgage when retiring. Go to a financial planner and let him tell you what to do as you most likely don't want to divulge your personal financial situation on a public forum. It doesn't matter where you end up, The Villages or some other retirement community but the fact that you are asking for financial advice on a public forum would tell me that you have not planned for your retirement and that you don't want to pay for professional advice. You get what you pay for.
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