home equity line of credit loans: Homeowners 62+ are sitting on thousands in untapped cash

Wednesday, February 4, 2026

If you've been paying your mortgage for decades, you've likely built up significant equity in your home. But most retirees don't realize they can access that equity as cash without selling or making monthly payments. A reverse mortgage allows homeowners 62 and older to convert home equity into a lump sum, monthly payments, or a line of credit while staying in their home. The loan isn't repaid until you sell, move out permanently, or pass away. It's tax-free money that can cover medical bills, home repairs, or supplement retirement income. Click below to learn more about reverse mortgage options.

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