November 14, 2025

Comparison of 30-year and 50-year mortgage payments and total interest on a $450,000 home

Could a 50-Year Mortgage Make Homeownership More Affordable?

As housing affordability continues to challenge buyers nationwide, the idea of a 50-year mortgage is gaining attention. The concept is now being explored at the federal level as one possible strategy to help more Americans, especially first-time homebuyers, enter the housing market. Recently, Federal Housing Finance Agency (FHFA) director Bill Pulte confirmed that the Trump administration is evaluating...