The Color of Money | Transformative Conversations for Wealth Building

Can The 50-Year Mortgage Really Fix Housing Affordability?

Jan 7, 2026

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Housing affordability is under pressure, and the introduction of a 50-year mortgage has been floated as a solution. In this episode, we sit down for an honest, nuanced conversation about whether this product is a smart financial tool or a long-term trap.

We break down how extended amortization can lower monthly payments and potentially open the door to homeownership for buyers currently priced out of the market. At the same time, we dig into the real risks: slower equity growth, higher exposure to market shifts, and the temptation to simply buy more houses instead of building financial margin.

We also explore the psychology behind homeownership, why most people push their limits, and how financial education—or the lack of it—shapes outcomes. A major focus is the responsibility real estate and mortgage professionals carry when guiding buyers through decisions with decades-long consequences.

The takeaway is simple: a 50-year mortgage isn’t inherently good or bad. Like any financial tool, its impact depends on how well it’s understood and how intentionally it’s used.

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This podcast is for general informational purposes only. The views, thoughts, and opinions of the guest represent those of the guest and not Keller Williams Realty, LLC and its affiliates, and should not be construed as financial, economic, legal, tax, or other advice. This podcast is provided without any warranty, or guarantee of its accuracy, completeness, timeliness, or results from using the information.