US President Donald Trump has insinuated that he may recommend 50 year mortgages

President Trump’s proposal to introduce 50-year mortgages triggered immediate blowback online after FHFA Director Bill Pulte announced the administration is actively working on the plan. Trump promoted the idea by comparing himself to FDR — who popularized the 30-year mortgage — suggesting that extending loan terms could improve affordability for new buyers.

Supporters argue that stretching payments over a longer period would lower monthly costs and give buyers more flexibility. Some investors and housing commentators on social media said a 50-year mortgage could help people enter the market who otherwise wouldn’t qualify.

Critics, however, warn that it would increase total debt, slow equity growth, and push housing prices even higher by stimulating demand without increasing supply. Several commentators called it “lifetime debt,” arguing that cheaper monthly payments don't solve the underlying shortage of homes. Housing analysts also cautioned that buyers typically sell within 10–12 years, meaning many would build little or no equity.

The plan remains in early stages, and the administration has not released details on how it would work or when it might be implemented. Economists say the core issue remains affordability — and without more housing construction, longer mortgages may treat the symptom, not the cause.