Advisor Journal

Lately there’s been growing talk about introducing a 50-year mortgage as a way to make homeownership more “affordable.” On the surface, it sounds like a lifeline for first-time buyers priced out of the market, lower monthly payments, easier qualification, and longer repayment periods.But when you look at the numbers, it becomes clear that the goal isn’t purely consumer relief, it’s also about stabilizing a housing market facing ongoing pressure.Let’s unpack how a 50-year mortgage compares to the traditional 30-year loan, and what it really means for affordability in America.