Older American homeowners hold substantial home equity, built over decades of steady ownership. With refinances scarce and mortgage rates still elevated, that stockpile has become the most durable growth story in housing finance—and one of the most practical ways to help older households manage expenses, preserve independence and stay in their homes.

The question is not whether the equity exists. It’s whether today’s lending products are structured to meet the realities facing this demographic—many of whom may be retired, semi-retired or working later in life on fixed or reduced incomes.

Fixed incomes, rising costs

Millions of homeowners 62 and details ⇒

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