MARKET SERIES

50 Year Mortgage

- Yay or Nay?

Episode 29:

November 25, 2025

In this episode, Amanda and Ying take on a topic that’s been getting a lot of attention lately: the idea of a 50-year mortgage. We structured the conversation as a debate.

Ying argues for the potential for affordability especially for renters who feel locked out of the market and need another pathway into homeownership. Amanda takes the other side, calling out the long-term tradeoffs: higher interest costs, slower equity, and what this could mean for the housing landscape overall.

We are hoping this episode will show you the potential impact of the 50 year mortgage and how it should be utilized if passed.

You can access our data file here: 50-Year Mortgage Debate Presentation