{"id":110190,"date":"2025-11-12T05:00:01","date_gmt":"2025-11-12T10:00:01","guid":{"rendered":"https:\/\/cablemanpro.com\/wallstreetpr\/trumps-50-year-mortgage-just-introduces-a-new-kind-of-debt-110190"},"modified":"2025-11-12T05:00:01","modified_gmt":"2025-11-12T10:00:01","slug":"trumps-50-year-mortgage-just-introduces-a-new-kind-of-debt","status":"publish","type":"post","link":"https:\/\/cablemanpro.com\/wallstreetpr\/trumps-50-year-mortgage-just-introduces-a-new-kind-of-debt-110190","title":{"rendered":"Trump\u2019s\u00a050-year\u00a0mortgage just introduces a new kind of debt"},"content":{"rendered":"
\n

The montage of the\u00a0American Dream\u00a0begins with a front door and a mortgage. President Donald Trump<\/a> is correct to say that the dream is slipping out of reach for too many families. Home prices have skyrocketed, mortgage rates have doubled since 2021, and young Americans are\u00a0finding\u00a0it more challenging than ever to buy a home and put down roots.<\/p>\n

So it\u2019s no surprise that the administration is\u00a0exploring\u00a0new ways to “make housing affordable again.” One of those ideas, a\u00a050-year\u00a0fixed-rate mortgage<\/a>, promises smaller monthly payments by stretching out the life of the loan.<\/p>\n

But the problem isn\u2019t the rates or lengths of\u00a0mortgages; it\u2019s the cost of the house.<\/p>\n

Extending loan terms just\u00a0spreads\u00a0the pain over more years. Longer\u00a0mortgages\u00a0might lower the monthly bill, but they multiply the total debt. On a $400,000 loan at 6% interest, a\u00a050-year\u00a0mortgage means paying roughly $1.26 million over the life of the loan, more than triple the original amount. After 20 years, you\u2019d still owe almost $350,000.<\/p>\n

HOUSING COSTS ARE CRUSHING FAMILIES \u2013 HERE\u2019S THE WAY OUT<\/strong><\/a><\/p>\n

The real challenge is that the government has made it too expensive to build<\/a> and buy homes in the first place. Washington and local governments pile on costs at every step through\u00a0tariffs, taxes, fees and endless red tape. Builders can\u2019t build affordably when they\u2019re forced to navigate an obstacle course of regulation and delay.<\/p>\n

Even Bill Pulte, President Trump\u2019s housing chief and a longtime homebuilder himself, has\u00a0acknowledged\u00a0how high interest rates and housing costs are “really hurting people.” He\u2019s right about the pain families are feeling, but the solution is lower costs. As any economist can tell you, affordability begins with more supply, not more subsidies.<\/p>\n

Mackenzie Bishop, a homebuilder with\u00a0Abrazos Homes\u00a0in Albuquerque,\u00a0recently laid out\u00a0the math in blunt terms. Local taxes and fees<\/a> add more than $40,000 to the cost of every new home before a single nail is hammered. Add property tax increases of 50 to 70% on multifamily projects, and new construction grinds to a halt. Multiply that across the country, and it\u2019s no wonder builders can\u2019t keep up with demand or why the homes that do get built are\u00a0out of reach\u00a0for working families.<\/p>\n

WHY YOUR PARENTS COULD AFFORD A HOUSE ON ONE SALARY \u2013 BUT YOU CAN\u2019T ON TWO<\/strong><\/a><\/p>\n

It\u2019s the\u00a0same story nationwide. Tariffs have\u00a0raised the prices\u00a0of building materials like lumber, steel and concrete. Meanwhile,\u00a0permitting\u00a0and environmental reviews can delay projects for years, driving up financing costs and draining the incentive to build at all.<\/p>\n

These are the hidden taxes that keep America\u2019s housing supply<\/a> artificially scarce, and that scarcity \u2013 not the length of the mortgage \u2013 is what drives prices higher.<\/p>\n

Even as\u00a0inflation\u00a0has cooled from its peak, prices are\u00a0still rising\u00a0about 3% a year. “Sticky” costs like rent, insurance and shelter remain stubbornly high. That means families\u2019 paychecks are\u00a0stretched thin\u00a0before they even start saving for a down payment. The Federal Reserve may eventually cut interest rates, but unless we fix the underlying supply problem, housing will remain unaffordable no matter the loan term.<\/p>\n

CLICK HERE FOR MORE FOX NEWS OPINION<\/u><\/strong><\/a><\/p>\n

The good news is that conservatives already know how to fix this. Instead of inventing new forms of debt, we can make it easier and\u00a0cheaper to build\u00a0the homes Americans need. That means streamlining permitting and cutting the bureaucracy<\/a> that slows construction, eliminating tariffs that drive up the price of materials, and expanding legal immigration to rebuild the skilled trades workforce that keeps the housing market moving.<\/p>\n

It also means reforming zoning laws that allow a handful of activists to block entire neighborhoods and phasing out\u00a0federal subsidies\u00a0that inflate prices by distorting credit markets. Together, these reforms would tackle the real causes of\u00a0high housing costs: scarcity, inefficiency and government overreach.<\/p>\n

Do those things, and the market will do what it does best: deliver abundance, innovation and opportunity.<\/p>\n

The goal of homeownership is worth fighting for. It strengthens families, builds communities and creates generational wealth. But we can\u2019t borrow our way to prosperity. The answer to high housing costs isn\u2019t a longer mortgage; it\u2019s a lighter burden.<\/p>\n

President Trump\u2019s instinct to put working families first is right on target. The best way to make housing affordable again<\/a> is to unleash America\u2019s builders, entrepreneurs and workers, not to create a new kind of debt. Let builders build. Let markets work. Let families keep more of what they earn. That\u2019s how we restore the American Dream:\u00a0build, baby, build.<\/p>\n

CLICK HERE FOR MORE FROM PATRICK M. BRENNER<\/u><\/strong><\/a><\/p>\n<\/div>\n

Source – https:\/\/www.foxnews.com\/opinion\/trumps-50-year-mortgage-just-introduces-new-kind-debt <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

The montage of the\u00a0American Dream\u00a0begins with a front door and a mortgage. 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