Episode 189: The Truth About 50-Year Mortgages and Housing Affordability

Trump has proposed bringing back ultra-long mortgages — including a 50-year option — as a way to make housing more affordable. But would stretching a loan over half a century really help?

In this episode, we break down the real math behind the idea. You’ll learn why a longer mortgage term might look affordable month to month, but could cost you hundreds of thousands of dollars more over time.

We’ll cover:

· Why home prices have stayed high even after the pandemic

· How interest rates and inflation affect both buyers and sellers

· The difference between a 15-, 30-, and potential 50-year mortgage

· What history teaches us from the failed 40-year mortgage experiment

· Why focusing only on monthly payments can be a dangerous trap

If you’ve been wondering whether a 50-year mortgage could help you buy a home — or just keep you in debt longer — this episode will help you see the full picture.

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Dr. Elisa Chiang is a physician and money coach who helps other doctors reach their financial goals by mastering their money mindset through personalized 1:1 coaching .

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