The David Greene Show Mortgage Monday | 50 Year Mortgage | Episode 102
Dec 1, 2025
Get ready for the dive into the intriguing concept of the 50-year mortgage! Experts discuss the myths and realities surrounding this potential loan option. Hear compelling insights on how longer loan terms could impact monthly payments and principal paydown. They also break down how lenders collect interest and provide practical tips on managing payments. Is government support necessary for the 50-year mortgage to succeed? Tune in for lively debates and innovative advice on making the most of your mortgage!
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50-Year Mortgage Is Still Speculation
- The 50-year mortgage is not an active loan product today; it's a policy conversation involving government and Fannie Mae.
- Christian and David emphasize it's speculative and not something you can quote or lock in now.
Amortization Has Many Choices
- Amortization options vary widely; 10, 15, 20, 25, 30 and even up to 40-year schedules exist in practice.
- Longer terms lower monthly payments but typically carry higher rates and slower principal paydown.
Pick Term Based On Rate vs Cashflow
- Choose shorter amortizations for lower interest rates but accept higher monthly payments.
- Choose longer amortizations for flexibility and lower required monthly payments despite higher total interest.
