HousingWire Daily Logan Mohtashami on the 50-year mortgage
Nov 11, 2025
Logan Mohtashami, a lead housing analyst known for his chart-driven insights, talks about the controversial 50-year mortgage proposal. He argues it could worsen equity buildup while providing only small monthly savings for consumers. The conversation also dives into current housing demand and the ongoing uncertainty surrounding government data. Logan stresses that affordability issues should be tackled through supply-demand balance rather than extended loan terms, as he dissects recent inventory trends and market dynamics.
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Shutdown Frustration And A Christmas Sweater
- Logan joked he wore a Christmas sweater early because he gets his shorts back after the shutdown ended.
- He described frustration from missing data and charts during the shutdown.
Long Mortgages Distort Market Equilibrium
- A 50-year mortgage would further subsidize demand and hinder the market from correcting itself.
- Logan argues longer amortizations reduce equity build and distort the supply-demand equilibrium.
From Rejection To 'Chart Daddy'
- Logan recalled being rejected for a '40 under 40' nomination in 2014 and jokes about being the 'chart daddy' now.
- He used the story to lighten the conversation about his consistent views on mortgage policy.