Columns Josh Moody: Can Your Age be a Factor in Qualifying for a 30 Year Mortgage? June 26, 2022 3:17 pm by Anthony Treye Hanner Views: 13 My wife and I are in our 60’s and would like to refinance our home to lower the payment. Are we too old to qualify for a 30-year mortgage refinance due to average life expectancy? Absolutely not. A borrower's age cannot play a factor in whether You've reached subscriber-only content Simply Register For Free Access Already a subscriber? Log in here.