T
he Trump administration is weighing a 50‑year mortgage option to broaden home‑ownership access amid soaring prices and a sluggish market.

    As property values climb and sales stall, lawmakers are probing ways to ease the purchase process, especially for first‑time buyers whose average age has jumped from 28 in 1991 to 40 today.

    The proposal, first floated by President Trump on Truth Social, would lower monthly installments, but housing specialists remain doubtful.

    Mortgage broker Brian Berman of Mortgage Atlanta cautions that a longer term typically carries a higher rate; a 1% hike could make a 50‑year loan costlier than a 30‑year one.

    He warns the plan might further cool demand and push prices up, while equity accumulation would slow.

    Berman notes that longer commitments keep homeowners anchored, reducing mobility and the economic stimulus that comes from moving.

    He argues that only a government‑backed rate subsidy could level the playing field between 30‑ and 50‑year mortgages, thereby keeping payments affordable.

    If subsidized, the extended term could offer genuine relief, he says.