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.

He's just explained how to achieve the same result without having to get a job.

You're ok with knowingly doing this to an employer?

Do you understand the cost to them for something like this?