Don't use the equity from your house to get into aviation, it's safer to rob a bank!!
Don't worry about your age, take your time and enjoy it. There are plenty of other options in aviation apart from the airlines. You could build up some turboprop hours flying charters and contracts, etc. without needing to pay for a TR.
There are many different ways to achieve your goals, you just have to think outsdie of the box.
Good luck