The Trump administration has recently proposed introducing 50-year mortgages as a way to make homeownership more affordable, particularly for younger generations facing high housing costs.
This plan aims to lower monthly payments by extending the loan term beyond the traditional 30 years, similar to how FDR’s policies popularized longer mortgages during the Great Depression. Details include government backing for these extended loans through agencies like the FHFA, which could potentially reduce payments by spreading them over five decades; however, no full policy framework has been released yet.
The initiative is centered on enabling millennials and Gen Z buyers to enter the market sooner, building equity over time despite starting with smaller payments. Supporters argue that it’s a game-changer that could revitalize the American Dream, providing an optional tool for those who are otherwise stuck renting amid rising prices.
However, critics warn that it would double interest costs, slow equity accumulation, and trap borrowers in debt into retirement, reminiscent of the 2008 subprime crisis. Some younger conservatives specifically criticize the plan, believing mass deportations of illegal immigrants would free up housing supply and address affordability more effectively without extending debt burdens. Others view it as “debt slavery” or feudalism, benefiting banks more than buyers by inflating total payments over time. The proposal overall has sparked backlash for potentially avoiding root causes, such as supply shortages, with calls to prioritize deportations and removing hedge funds from the market instead.
As of November 2025, the average U.S. home price stands at approximately $415,200, underscoring the need for affordability measures amid ongoing market pressures.
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