@MeCasa wrote:I don't understand where you got don't care. I worked my whole life building a beautiful home FOR the kids.....I just ran out of money before it was finished....and I'm still trying to finish it
Ignore the troll.
@KatzNDawgs wrote:
@IsambardPrince wrote:
Lots of stuff
Oh. I see you have a lot of past weighing on your shoulders, but I'm not sure how much of this is helpful to OP. Instead of wall of text here, I sincerely hope you take these feelings to a licensed professional to sort these feelings out. Take care.
To OP: as others said, age should not play a role. What lenders have you gone with and what specific reasons have they given for denials?
In short, age should absolutely play a role.
There's two ways people who get old tend to view money. Not all of them, but say 80%.
They can be like my mom, who never did anything other than pour her earnings potential and steal from her own retirement to pay for exes that beat her face into the wall and their house and living expenses and their beer, smokes, and trucks. Now she has nothing. That's how she got to nothing and needs to borrow all the time. She figures she has maybe 10 years left and is more concerned about how to shield her pension money from debt collectors than not getting into debt.
Or like my dad, they worked and saved and wore into their old pair of shoes until their feet were halfway into the rubber underneath the sole and wore the jeans they mowed the yard in and saved and earned interest, and invested, and today he owns a house and two cars and is on an aggressive spend to get rid of all his money before he dies. He just took his wife to Hawaii and that was part of the aggressive spend, and he has no debt.
Then there's the ones who have $50 million in the bank (again, just an example of the ridiculous thing coming) and are sleeping on the mattress they bought when they got back from Korea or something. They die with all their money and either their kids fight over it or there are no kids and the State steals all of it, and they could have had a bed to sleep on that didn't turn into a canoe at some point in the 70s that was causing them to get up, all hunched over, and shuffle around and hurt.
I've worked in a nursing home. When you go into a resident's room and there's aspiring that expired in the 1990s, you know you're dealing with that type of case. This might be some variation on the Costco mentality we see today where "Who needs 5,000 Ibuprofen?" but they sell that.
Maybe it's the bed.
That's basically, the three ways (the third is like the bulk of the 20% remainder), that old people deal with money.
Is it illegal to deny them a loan because of their age? Sure. But would any reputable lender give someone like my mom money when it looks like the candle is about to go out, there's nothing in the bank, and even if they sued they wouldn't get anything?
She applied for an AmEx card the other day. They said they didn't decline her outright, so they went sniffing around in her bank account through some sort of Plaid-like interface, and it took them two seconds to go "NOPE! NOPE!! Low FICO Score. Bye!"
In other words, the low score was the stated reason, but they gave her a second chance even when they saw it to prove that she wasn't a total disaster, and when they saw her shopping on Amazon with a few hundred dollars in the world, they slammed the door and said bye.
I'm certain her age didn't help, although they'd never admit it if it didn't. 
People like her don't realize how bad financial choices can follow you around 20-30 years later and your "150 floggings in public square" for managing your money badly in your 30s and 40s never ends.
As a society, we're much more evolved now than we were in the 1600s. If you commit a low grade misdemeanor with a fine of $50, your floggings aren't literally floggings, you'll just sleep on the street and burn twigs for warmth.
And if you didn't pay the credit card people, same deal. Isn't that nice? We're so nice. Aren't we nice?
Anyway, the path to prosperity does not normally involve debt, and even in the rare circumstances it does involve debt, it's not so you can get trinkets and a mess of pottage from Saks or Amazon. It's clear to creditors that if an old person comes to them wanting money, there's an obvious reason why.
