In my 29 years in mortgage finance, I have been asked that type of question many times. Fortunately, age is not a factor we consider when making a loan. Far more important is your credit profile, income, down payment and the property's condition and value.
I recommend that you talk to a reputable local lender to get all of your other questions answered.
Provident Bank Mortgage
Regulation B was issued by the Board of Governors of the Federal Reserve System to implement the provisions of the Equal Credit Opportunity Act (ECOA). The law was enacted in 1974 to make if unlawful for creditors to discriminate in any aspect of a credit transaction on the basis of sex or marital status. In 1976, through amendments to the Act, it became unlawful to also discriminate on the basis of race, color, religion, national origin, age, receipt of public assistance and the good faith exercise of rights under the Consumer Credit Protection Act.
The primary purpose of the ECOA is to prevent discrimination in the granting of credit by requiring banks and other creditors to make extensions of credit equally available to all credit worthy applicants with fairness, impartially and without discrimination on may prohibited basis.
Best of Luck!