Could a 50-year mortgage become a reality?

President Donald Trump has suggested the idea in a post on Truth Social that places a photo of himself beside former President Franklin D. Roosevelt, with the labels “50-Year Mortgage” and “30-Year Mortgage” over their pictures.

Roosevelt is widely credited with reshaping the U.S. mortgage market during the Great Depression. His administration created the Federal Housing Administration in the 1930s, which insured long-term home loans and helped popularize what later became the standard 30-year mortgage. Before those reforms, most mortgages were due to be fully paid in just a few years.

Federal Housing Finance Agency Director Bill Pulte said on X that work is underway to make 50-year mortgages more widely available, calling the concept a “game c

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