Trump proposes 50-year mortgage to help affordability

Housing Wire ^ | November 8, 2025, | Sarah Wheeler

[Trump20162020]

President Trump proposed 50-year mortgages to improve housing affordability by lowering monthly payments. While longer terms reduce payments, they also slow equity buildup and are currently not allowed under the Dodd-Frank Act.

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TOPICS: Business/Economy
KEYWORDS: 2026wipeout; 2028wipeout; 47isatotalclown; debt; debtslavery; endlessdebt; endthiscult; finance; housing; inflation; loan; loans; magtardslovedebt; mortgage; mortgages; slavelandia; stupid

[gloryblaze]

... It’s like having a very high credit limit on your card when you only need a part of that.

Except the mortgage is taken out for the max.

Paid off equity can be accessed by way of a home equity loan presently, but we all know that doesn't always work out...

[JesusIsLord]

Property taxes are only one part. School taxes are separate battle.

Here in PA, property tax is used to fund schools & county govt .

[lastchance]

God forbid.

[Brian Griffin]

Lumber for a 30x30 two-story house

outside walls

~240’ of 2x6 studs 16” o.c. ~= 180 studs ~= $900
~360’ of 2x6 plates ~= 45 studs ~= $225

inside walls

~120’ of 2x4 studs 16” o.c. ~= 90 studs ~= $350
~120’ of 2x4 plates ~= 15 studs ~= $60

platform framing

24x2 of 2 16’x2”x12” joists [96 16’x2”x12” joists][Note: I-beams would usually be used]
+
4 16’x2”x12” platform ends ~= $3000

subtotal ~$4500

plywood

roof x 30’x30’ ~= 1000 sq. ft. ~= $1,100

floors ~1800 sq. ft. $42 4’x8’x3/4” sheet ~= $2,400

sheathing ~1920 sq. ft. ~= $2,000 [Note: Oriented Strand Board would normally be used]

truss wood

16(1+30/2 24” o.c.) x 70’ ~= 140 2x4 studs ~= $560

wood for house ~= $11,000 total

[Brian Griffin]

park side Upper West Side

20 blocks of brown stone about 900 feet long and 30 feet high with 60% coverage.

20*2*900*30*.6

20*900*36

648,000 square feet of brown stone

Park Slope, Brooklyn Heights, Fort Greene, Upper East Side, Upper West Side

~3,240,000 square feet of brown stone

~$25 million, total

[Brian Griffin]

The federal government owns the navigable airspace. What I suggest is closing that airspace to airports within 50 miles of any unaffordable area to soften the housing markets in those areas.

I also suggest building new state capital cities about once a decade to provide abundant affordable housing with amenities.

[TexasGator]

“Credit = Debt.”

You need to reprogram Socrates.

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1.
the ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future.
“I’ve got unlimited credit”
Similar:
financial standing
financial status
solvency

2.
an entry recording a sum received, listed on the right-hand side or column of an account.
“the columns should be added across and down and the total debits should equal the total credits”

https://www.google.com/search?q=def+credit

[Capn Hayek]

Hey, I’m the last guy you’ll ever hear complain about how the free markets works and why I love it!

I’m mainly just leaning against the idea “homes are so unaffordable!” when I think it’s just more “homes where I want to live are unaffordable on my current budget!”

I’d like my own private island in the Keys - no, you perverts not for that - just you have to admit, it would be great to own an island!

However, I’m not complaining that it’s unaffordable on my budget.

[Brian Griffin]

Only one bath needs to be finished at the time of initial purchase in theory.

[Brian Griffin]

it would be great to own an island!

Check out Crystal Lagoons.

[Brian Griffin]

“broad real property ownership creates conservatives”

Not if they are underwater.

Most people have no conception of how bloated property values are.

[Buttons12]

Yes, it’s Medicaid. They are ferocious badgers about patients’ assets.

[Buttons12]

You actually can fight Medicaid on the county level and win, I’ve done it. Bought a property cheap and they stepped in demanding a higher selling price. Sorry, Medicaid, but you weren’t on the contract!

[Wuli]

No, no and no again.

You already pay, in total (due to the total interest that will be paid) much more than most people realize on a 30 year mortgage.

On a 30 year mortgage for $400,000 at a 6% annual interest you’ll actually pay $463,323 by the end of the mortgage.

On a 50 year mortgage for $400,000 at a 6% interest rate you’ll actually pay $714,258 in total.

What is needed is a big dose of DEFLATION in the current housing prices that are highly inflated. Yes, sellers who are among more recent buyers will have to take a hair cut, and sellers who bought many years ago will have to not get the current inflated prices. I don’t know what else is going to “correct” the housing markets that are the most inflated.

[Buttons12]

Just the same, if there is potential, there is value, and not just to one buyer.

True, you have to get there before the realtor gets a whiff of it. And that's not difficult when the property is a hundred, or a thousand, miles away from the heirs, and they have no imagination, or they're busy.

I have a relative who is constantly getting calls from realtors asking him if he'd like to sell his second home, minutes from Manhattan. If it was Grandpa's house, last sold for $1500 in 1947, and located in Middle O'Nowhere, PA, realtors would not call.

Also, a realtor isn't putting a lot of energy into selling Grandpa's house. It's run down. It could be listed over a year. Taxes racking up. Notices from code enforcement. Fines. Meanwhile the realtor is off chasing the big commission.

There's potential in most houses. Most people don't see it. They do see cash on the barrelhead.

[central_va]

Sending in extra payments is not good. Invest that money instead.

[daler]

“If you really want to make housing affordable, outlaw property taxes.”

At least one Republican governor (DeSantis) is proposing this.

I think it’s an excellent idea, certainly for seniors, who are on fixed incomes but are being taxed out of their homes as property values increase.

I live in Minnesota, so that or any other tax reduction is a fantasy.

[Carry_Okie]

a 50 year mortgage might have some interesting leverage opportunities to invest long term where the market will likely return more than the interest cost long enough to survive a down market.

Which do you want: cheaper houses because we deported 20MM illegals, or cheaper mortgages with a return that depends upon demand inflated by illegals and housing value as a tax deduction and hedge against inflation?

[Worldtraveler once upon a time]

--- "Just go TO youTube and search for D.R. Horton and /or Thermo-Ply. You'll be entertained for weeks."

Thanks. YouTube doesn't entertain me. But having looked at Thermo-Ply, I have a next-week meeting with a contractor for one of our homes, and think this a nifty alternative to OSB. Again thanks.

[Worldtraveler once upon a time]

---- "...decreasing government regulation increases supply relative to demand."

Kudos for clarity and accuracy.

Governments -- plural -- are expenses loaded onto a people, and government regulations are one of the methodologies.