Monday, November 10, 2025 / by Ryan Huemmer
50-Year Mortgage: A Game Changer for Wisconsin Homebuyers?
The housing market conversation just got a lot more interesting. President Trump recently floated the idea of introducing a 50-year mortgage option for American homebuyers, and the Federal Housing Finance Agency is reportedly working on making it a reality. For families in Sun Prairie and the greater Madison area struggling with affordability, this could be the breakthrough they've been waiting for.
What Is a 50-Year Mortgage?
Similar to how President Franklin D. Roosevelt introduced the 30-year mortgage during the Great Depression, a 50-year mortgage would extend the loan repayment period to five decades. William Pulte, director of the Federal Housing Finance Agency, called the proposal a "game changer" and confirmed his agency is actively working on this new mortgage product.
Lower Monthly Payments, Greater Accessibility
The primary benefit of a 50-year mortgage is simple: lower monthly payments. For a $400,000 loan at 6% interest, a 30-year mortgage would cost $2,398 p ...
What Is a 50-Year Mortgage?
Similar to how President Franklin D. Roosevelt introduced the 30-year mortgage during the Great Depression, a 50-year mortgage would extend the loan repayment period to five decades. William Pulte, director of the Federal Housing Finance Agency, called the proposal a "game changer" and confirmed his agency is actively working on this new mortgage product.
Lower Monthly Payments, Greater Accessibility
The primary benefit of a 50-year mortgage is simple: lower monthly payments. For a $400,000 loan at 6% interest, a 30-year mortgage would cost $2,398 p ...
