Story perspectives
Seniors Eye Home Equity Loans Amid Financial Struggles
12/27/2025
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Story summary
- Seniors facing financial challenges may consider home equity loans or reverse mortgages in 2026.
- The average homeowner holds more than $300,000 in equity, enabling access to funds without selling.
- Home equity loans offer predictable payments that can preserve equity for heirs.
- Reverse mortgages eliminate monthly payments.
- Reverse mortgages can complicate inheritance plans and accumulate fees.
