A 50 year mortgage..

[Eagler]

How can we be unedumacated when we have thangs like guberment  subsidized monthly AI subscriptions for $20 that will surely tell us what we need to know...with mainstream media confirming those facts..

Eagler

[Shuffler]

The government could not run a lemonade stand.... successfully.

[Animl-AW]

Stop voting for morons. The people control who is in office. If the people vote stupid we get stupid.

SO a 50 yr mortgage at 40 yrs old, you'll be paying until death when you have much less. Dumbest thing I ever heard, but not shocked by the source of the idiocy. How about just make things cheaper instead of feeding billionaire crybabies at our expense.

Yep, you prolly figured out by now, you are paying for tariffs that are a funnel to empty your pockets with higher taxes to funnel to their pockets in tax breaks. It's a funneling scam. He's not going to fix a problem he gets rich off of.

Again, facts beat some in the face and they turn over stones looking for a justification to avoid the obvious. Fact is, you've been scammed.

[AKKuya]

Make a 100-year mortgage.  When the owner dies, the mortgage can be transferred in a will with no penalties or death tax.  Banks get their interest payments, and owners get cheaper mortgage payments.

[AKIron]

A 50 year mortgage beats 50 years of paying rent.

[Captain Virgil Hilts]

The government could not run a lemonade stand.... successfully.

Pretty much.

[Captain Virgil Hilts]

A 50 year mortgage beats 50 years of paying rent.

Well, most 50 year mortgage borrowers would never own a house. With the average lifespan now around 75, and the average 1st time home buyer around 27-30...........


I guess they'd die with 45 years of equity, they could pass along.......


Only problem is most houses built after the seventies are going to be garbage at 50 years of age, without extreme maintenance and improvements.

[Eagler]

Well, most 50 year mortgage borrowers would never own a house. With the average lifespan now around 75, and the average 1st time home buyer around 27-30...........


I guess they'd die with 45 years of equity, they could pass along.......


Only problem is most houses built after the seventies are going to be garbage at 50 years of age, without extreme maintenance and improvements.

Heard 1st time buyer age is 40+ now..so they would be in their 90's when they finally get the deed..

It makes one responsible for all the fun stuff too like repairs and taxes..

All to save a couple hundred bucks off the monthly payment..

Eagler

[AKIron]

You build equity even with a 50 year mortgage. I made money on each of the 4 homes I've sold over the years. Doubled my money on one. If the future sees ever increasing prices like the past then.... Dad bought a house in 1973 for $18K. He sold it 20 years later for a substantial profit. Today it's estimated at a million. What do you get at the end of renting for 20, 50 years?

[Eagler]

The government is doing their part to keep everything more expensive..



Why wouldn't they, they collect more taxes with each purchase while trying to inflate the pain away from the $38 trillion we are already in the hole for..

Eagler

[DmonSlyr]

I think its silly that people believe most folks will stay in one house their whole life. On top of that, you can always Refinance and pay more on your loan early. Its strange to me no one wants to talk about that.

Its also hilarious to me that when people ask for "lower housing prices" well then that means the current value of your house drops. So why would you want that instead? Is it better for others to have a chance to buy while maintaining the housing market value? Or is it better for the housing market to crash so all the value fades away? Imo, the former is better. If we were to go into another housing market crash, that might mean more people get laid off and couldn't afford a house anyway..

I also find it absolutely hilarious that Dems are finally learning that tax increases artificially increase prices. Who would have ever thought they'd finally bend the knee on that arguement. The blue cities with the highest taxes in the country, and also the highest prices in the country can't put 2 n 2 together on their own policies, but are more than happy to increase taxes every chance they get on "the rich" but funny enough, they dont want to talk about the price increases those bring and "the rich" moving away, thus no more tax revenue at all  .

The thing about tariffs is that it forces countries and companies to the table to make better deals. It forces companies to invest in america and create american jobs to avoid tarrifs. And it helps our countries businesses compete on a global scale. I mean I guess its logical leftest wouldnt want that. Who even know what the some of these loonies want.

[CptTrips]

I think its silly that people believe most folks will stay in one house their whole life. On top of that, you can always Refinance and pay more on your loan early. Its strange to me no one wants to talk about that.

Its also hilarious to me that when people ask for "lower housing prices" well then that means the current value of your house drops. So why would you want that instead? Is it better for others to have a chance to buy while maintaining the housing market value? Or is it better for the housing market to crash so all the value fades away? Imo, the former is better. If we were to go into another housing market crash, that might mean more people get laid off and couldn't afford a house anyway..

I also find it absolutely hilarious that Dems are finally learning that tax increases artificially increase prices. Who would have ever thought they'd finally bend the knee on that arguement. The blue cities with the highest taxes in the country, and also the highest prices in the country can't put 2 n 2 together on their own policies, but are more than happy to increase taxes every chance they get on "the rich" but funny enough, they dont want to talk about the price increases those bring and "the rich" moving away, thus no more tax revenue at all  .

The thing about tariffs is that it forces countries and companies to the table to make better deals. It forces companies to invest in america and create american jobs to avoid tarrifs. And it helps our countries businesses compete on a global scale. I mean I guess its logical leftest wouldnt want that. Who even know what the some of these loonies want.

You are just creating looser money.  You are making it easier for people to buy houses they can't afford.
By loosening money, you only encourage the builders to charge even more. 
That is the exact argument many make against school loans.  The more you loosen loans, the more the schools think they can charge as money is looser.

The answer is not life-time mortgages.  The answer is to start making less expensive houses using better technology and right-sizing a house to families REAL needs and not their desire to look like the Home-Network McMansions.

Just like the 120k pickup trucks.  They way you fix that is just stop buying them.  Let them rust on the lot.  The cure for high prices, is high prices.  People will stop buying and the price will have to come down if they want to do business.

[Captain Virgil Hilts]

Sure, you build equity even in a 50 year mortgage. At around 30 years. And that depends upon the interest rate. Considering the jump in rates between a 15 year and a 30 year, I can only imagine the rate for 50 years, it's got to be 1.5% to 3% higher.

Yeah, most don't stay in one home their entire life. But building equity in a 50 year mortgage isn't going to be nearly like a 30 year mortgage. It remains to be seen what the availability of a 50 year mortgage will do to home prices and values.

This could make homes and mortgages like vehicles and vehicle loans. The price of vehicles has gotten utterly stupid, and most consumers stay in vehicle debt for their entire life. With the 60-72 month vehicle loans, they're upside down on every trade. Imagine doing that with homes.

I'm not at all convinced that 50 year mortgages will not convince more large corporations and corporate equity groups to start buying huge amounts of property and slapping junk homes on it. Homes literally designed and built to be useless in 25-30 years, at best.

This looks like another way to achieve "you'll own nothing, and you'll be happy".

[CptTrips]

f someone offered a 50-year mortgage in the U.S. today, the rate would almost certainly be higher than a standard 30-year, for a simple reason: lenders price by risk, and stretching the repayment horizon adds both interest-rate risk and default risk.

Here's where that usually lands in practice:

🎯 A realistic estimate (U.S. market, current environment)

If 30-year fixed rates are ~6.5–7.5% (as of late 2025):

40-year fixed mortgages that do exist (non-QM lenders) usually run +1.0% to +1.5% above the 30-year.

A 50-year would almost certainly be:

👉 7.5% to 9%
(Most likely: ~8–8.5% fixed)

You’d only see below 7.5% if short-term rates crashed, and you'd only see above 9% in a tight credit market.


The hidden truth: 50-year mortgages don’t really help

Even at, say, 8%, the monthly payment drop from 30 → 50 years isn’t dramatic:

They reduce payment maybe 10–15% lower than a 30-year.

But lifetime interest paid skyrockets.

You build equity extremely slowly.

Lenders know this—which is part of why these loans rarely exist.

I’ll use a $400,000 loan for examples, since that’s a typical modern mortgage size.
If you want a different amount afterward, I can redo everything instantly.

🔢 Monthly Payment Comparison

Assuming realistic interest rates:

Term   Interest Rate   Monthly Payment   Difference vs 30-yr
30-year   7.0%   $2,661   —
40-year   8.0%   $2,935   +$274
50-year   8.5%   $2,996   +$335

👉 Important:
A 50-year mortgage barely reduces your payment compared to a 30-year when interest rates rise with the term.

💸 Total Interest Paid Over Life of Loan

This is where the shock comes in.

Term   Total Interest Paid
30-year @ 7%   $558,000
40-year @ 8%   $768,000
50-year @ 8.5%   $1,018,000

👉 A 50-year mortgage more than doubles the interest compared to the principal.
You end up paying $1M in interest on a $400k house.

🧠 Amortization Reality Check

Equity builds painfully slowly:

In a 30-year, you're ~50% paid off around year 19.

In a 50-year, you're ~50% paid off around year 34.

In the first 10 years of a 50-year mortgage, you barely touch principal.

This is why banks love them and consumers don’t.

Sounds like a re-branded version of the Interest-Only Loan.

[Eagler]

I can see them refinancing the loan back to 50 years because the interest rate dropped a bit making the monthly a few bucks cheaper..

What they have done to car/truck prices/financing is criminal with housing soon to follow unless an adjustment comes in some shape or form..

My guess is the 50 year noise is cover for the 40 year mortgage they are really going to implement..

Eagler