For homeowners aged 62+, the Senior HELOC provides access to your home's equity with flexible qualifying that respects the reality of retirement income.
Age 62+
Designed specifically for retirees — qualifying around your assets and equity, not your W-2. Access cash without disrupting your retirement portfolio.
$0
Required Monthly Payment
62+
Eligible Age
| Feature | Traditional HELOC | Dixon Senior HELOC |
|---|---|---|
| Monthly Payments | Required from month one | Optional / Deferred |
| Income Qualifying | W-2 or 1099 income required | Asset-based qualifying available |
| Credit Score | Standard 680+ threshold | Flexible underwriting |
| Foreclosure Risk | Missed payments = default risk | Lower — no required monthly payment |
| Fund Access | Draw as needed (standard) | Draw as needed (same flexibility) |
Every senior borrower's situation is different. Let's talk about your home value, your equity, and what kind of access makes sense for your retirement plan.