Donald Trump Proposes 50-Year Mortgages to Boost Housing Market
Alex O'Connell
Published Nov 10, 2025
The U.S. housing market is slowing, and former President Donald Trump has suggested a bold solution: 50-year mortgages.
Trump shared the idea while contrasting it with the traditional 30-year mortgage popularized during Franklin Roosevelt’s era.
The Proposal Under Review
The plan is not just rhetoric.
Bill Pulte, director of the Federal Housing Finance Agency, confirmed that a 50-year mortgage is being studied as part of broader strategies to make homeownership more accessible, particularly for younger Americans.
Extending mortgage terms could lower monthly payments, potentially allowing more families to buy homes, though it would increase total interest paid over the life of the loan.
Criticism and Concerns
The proposal has drawn criticism.
Experts warn that while banks and lenders may benefit, homeowners could end up paying far more in interest, and some may not live to pay off their mortgages in full.
Opponents argue this could extend financial burdens across generations rather than solve affordability issues.
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Bottom Line
While 50-year mortgages could make monthly payments more manageable, they come with significant long-term costs.
The plan is still under study, and it remains to be seen if it will be implemented.
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