I don't know what this HELOC (I think it is you typed) is, but, we just bought our home last Nov, over age 70, and had no problem securing a 30yr fixed. We wanted the "more than necessary down, for lower monthy note" route, as you are considering. We also went with First Citizen (I think it's called...the one here in TV), and got an extra discount on interest at veteran. Also some sort of savings for opening a checking account with them.
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