President Trump launched a proposal aimed at extending residential mortgage terms up to 50 years, with the goal of reducing monthly payments for U.S. buyers and reviving a housing market that he says suffers from high access costs.
What does the measure involve?
The initiative became known when Trump published on his social network Truth Social a comparative image: on one side, former President Franklin D. Roosevelt accompanied by the text “30-year mortgages”.
On the other, he himself with the phrase “50-year mortgages”.
Within minutes, Federal Housing Finance Agency (FHFA) Director Bill Pulte confirmed that the Administration was working on the proposal.
He called it a “potential weapon in a broad arsenal of solutions” to ensure the “American dream” for young people.
The official argument is that lengthening the amortization period would reduce monthly payments and allow more people to purchase housing despite the current high prices.
For example, a HousingWire analysis shows that a 30-year mortgage for $300,000 with a rate of 6.575% would imply a monthly payment of about $1,529.
Whereas a 50-year would drop to approximately $1,366, assuming the same rate.
What should the U.S. Hispanic reader consider?
🇺🇸‼️ | LATEST NEWS – Trump announces 50-year mortgages are coming. He confirmed this in a Truth Social post, advancing a plan to expand access to U.S. housing. pic.twitter.com/i8tJ0l4nUl
– UHN Plus (@UHN_Plus) November 8, 2025
For the Hispanic community living in the U.S., this proposal has several points of attention:
Lower monthly payment: If implemented, payments could be more affordable, which would benefit Hispanic families who have been waiting to enter the housing market for some time.
Lower equity accumulation: Although the monthly payment would be lower, with a 50-year term the accumulation of equity would be slower. This means that at the beginning the interest portion would be very high.
Impact on long-term finances: Holding a mortgage for half a century probably means less room to save, invest or change homes, which may particularly affect immigrants or Hispanic workers with tight incomes.
Practical perspective for those living in the U.S.
Although the intention is announced, 50-year mortgages are not legal under the current U.S. mortgage industry framework, according to experts.
The Qualified Mortgage rule under the Dodd-Frank Wall Street Reform and Consumer Protection Act does not generally allow 40- or 50-year terms.
If you are thinking of buying a home, it is important to stay informed: consult with Hispanic housing institutions, review regulatory changes and analyze whether an extended term really fits your financial profile.
In addition, he believes that housing prices are high, mortgage rates are around high levels (around 6-7% in 2025) and extending the term does not eliminate the total cost of the loan.
For this proposal to materialize, it will be necessary:
That the FHFA and regulatory entities define the requirements and conditions for 50-year mortgages.
That Congress review or modify existing regulations that currently limit such long timeframes.
Have potential buyers evaluate whether this modality is appropriate for their personal financial situation.
Filed under: Trump 50 year mortgages
