About two-weeks ago, President Donald Trump floated the idea on social media of 50-year mortgages , proposing loans that would stretch a homebuyer’s payments to half a century.

The announcement quickly ignited a nationwide debate about whether longer mortgage loan terms would help or further strain an already stressed housing market.

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On the one hand, a 50-year mortgage would reduce monthly payments, potentially the difference between affording a home or staying put. On the other hand, those same longer terms would mean homeowners would be paying out more interest on the loan for a longer period.

The administration framed the concept as “a complete game changer” – a bold affordability solution at a time when high interest rates and record home prices have pu

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