Are the banks willing to OK 30 year fixed refi's for senior citizens?

If you're credit worthy and it looks like you are, they'd be hard put to justify turning you down. There are laws against discrimination based solely on age.

Try for a short length of time such as a 17yr, 15yr or 10yr fixed. I did a refi through my local Federal Credit Union for 10 yrs and at a much better rate than with the banks.

My parents had no trouble getting a 30 year mortgage on their home in Florida when they were in their 60's and 70's, but that was a long time ago. I would think with that much equity in your home they would be tickled pink to have you as a customer.

At seventy, my bank gave me $250,000 without so much as a blink. They approved it within 15 minutes. Of course it helped that my accomplices were holding the banker's family hostage (just kidding about the second part). They really did give it to me while I was sitting at the meeting.

Perhaps - and you'd have to really check into this - a reverse mortgage would be an option. If you're not planning on leaving the house to the kids...and depending on the equity you have in it.

Yes. I know older ppl that took out long term loans. The banks (usually) don't care. They just want money.

I don't see why they wouldn't.About your savings,how much interest is it making where it is invested? If it is making less than the interest you are paying on your house you'll be money ahead to pay off the house.

Yes.

No way without twisting their arms.