Can Trump's 50-Year Mortgage Proposal Improve Housing Affordability?

November 30, 2025 - 00:40

With the dream of home ownership out of reach for many Americans, President Donald Trump has floated the idea of a longer mortgage than the usual 30-year fixed-rate one. The proposed 50-year mortgage aims to make home buying more accessible by lowering monthly payments, thereby easing the financial burden on prospective homeowners.

As housing prices continue to soar, many individuals and families find themselves struggling to enter the market. A longer mortgage term could potentially allow buyers to afford homes that would otherwise be too expensive under traditional financing options. By stretching the repayment period, the monthly costs could be significantly reduced.

However, experts warn that while this approach might offer short-term relief, it could lead to higher overall interest payments over the life of the loan. Additionally, there are concerns about the long-term implications for the housing market and the economy. As discussions around this proposal continue, the effectiveness of a 50-year mortgage in addressing affordability remains to be seen.