November 10, 2025
The National News Desk recently published an article featuring Keith Munsell, Master Lecturer of Strategy and Innovation, discussing the Trump administration’s proposal to introduce 50-year mortgages as a way to make homeownership more affordable.
While supporters say longer loan terms could ease monthly payments, critics argue they would ultimately cost buyers more interest and slow equity growth. Munsell notes that the plan misses the heart of the problem — a persistent housing supply shortage — and that true affordability depends on broader structural fixes.
“It’s a tradeoff among monthly payment, total interest paid, and equity build-up. It’s saying, ‘what are your goals in homeownership?’ I also don’t think it overcomes the biggest impediment to homeownership, which is the down payment,” Munsell said.
Even with rates dipping, median home prices above $410,000 continue to put homeownership out of reach for many Americans.
