Fun fact: Peter McCallister was able to afford this home and take 15 people on a trip to Paris because he switched from a 30-year mortgage to a 50-year mortgage… 

Leave it to Teflon Don to completely throw a wrench in “normality” in 2025. In case you missed it, President Trump wants to fix America’s housing crisis the same way he fixes everything else… by doubling down. Enter: the 50-year mortgage, baby.

(Source: Facebook) 

In short, Trump posted the idea on Truth Social with a graphic comparing himself to FDR…  because if FDR gave us the 30-year mortgage, Trump’s giving us the sequel. Federal Housing Finance Agency Director Bill Pulte confirmed it’s in the works, calling it a “complete game changer.” Of course, game changers is one way to put it. Financial analysts are calling it something else: a slow-motion debt sentence. For instance, at 6.25%, the total interest on a 50-year loan would run you $816,000, compared to about $438,000 for a 30-year. If you listen closely, you can hear Dave Ramsey’s cholesterol rising as we speak.

(Source: Fox Business) 

Naturally, economists argue it’ll make things worse… that stretching payments to 2075 won’t fix affordability, it’ll just make prices climb higher. Because if Americans can suddenly “afford” bigger monthly payments, sellers will price that in before you even finish your preapproval call. On the flip side, you know who loves it? Banks obvi. The kind of love usually reserved for Cayman Islands accounts and adjustable-rate bonuses. More years = more interest = more profit. And Trump’s team knows exactly what they’re doing. Bill Pulte…the guy steering this thing… said they’re “laser focused” on helping young people achieve the American Dream. Which sounds novel until you realize the dream now involves your grandkids Cash-apping your mortgage broker LOL. 

Additionally, critics point out that what’s really needed is more supply… maybe fewer zoning restrictions, faster permitting, and actual homebuilding. But that’s not as fun as announcing a policy that sounds like a Times Square billboard: “The 50-Year Mortgage — Own the Dream, Pay Forever.” 

(Source: Facebook) 

Translation: It’s bold. It’s insane. And it’s perfectly Trump. With that said, we don’t know if this will really happen or not. Maybe it will… maybe it won’t. But regardless, you have to respect the guy for going against the grain. As for the pour souls (read: homebuyers) licking their chops over this, well… good luck to ya I guess. Until next time, friends… 

At the time of publishing, Stocks.News does not hold positions in companies mentioned in the article.