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Deep & Emerging Tech·July 16, 2026·1 min read

I’m 67, own two mortgage-free homes worth $2.8 million, but I have $19,000 in credit-card debt. Should I get a HELOC?

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House-rich, cash-poor is a growing pattern as rates and costs rise—HELOCs are becoming the de facto liquidity tool for older homeowners. Fintech and lenders targeting this segment need to design for both risk and sensitivity around health and family shocks.