50-year mortgages are a terrible idea for building home equity
Sheel Mohnot · Ideas That Sound Illegal (But Print Money Anyway) · Nov 26, 2025 · at 4:08
Fintech investor Sheel Mohnot analyzes Donald Trump's proposal to extend US mortgages to 50 years to address the housing affordability crisis.
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“Trump wants to address the affordability crisis, which is a real problem. And said, what we should do is extend mortgages to 50 years. So you have 50 years to pay it off instead of 30 years. I think it's a terrible idea because basically what happens is you give people more money. So the monthly, the month, the amount that they pay monthly goes down a little bit, but actually you're not earning equity in the home after like the average length of time that somebody our age stays in their home is relatively low. And by that time, they'll earn no equity in the home, or almost no equity in the home.”
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