479 | 50 Yr Mortgages: What No One Is Saying - Not Your Average Insights Artwork

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Not Your Average Investor Show

479 | 50 Yr Mortgages: What No One Is Saying - Not Your Average Insights

December 22, 2025 • Gregg Cohen / Pablo Gonzalez • Season 2 • Episode 479

Mortgage headlines are loud again. Between talk of 50-year mortgages, the FHFA revisiting assumable and portable loans, and lenders raising questions about feasibility, there’s a lot of noise on how this will affect the housing market, but few are talking about what this means for investors, specifically.

In this week’s Not Your Average Insights, JWB Co-Founder Gregg Cohen and host Pablo Gonzalez break down what is happening and add the investor's perspective.

They’ll unpack:
- Why 50-year mortgages look different from an investor’s perspective, and may be a momentary opportunity you need to be prepared for
- How portable and assumable mortgage ideas could reshape mobility, and trigger local regulations risk
- What these policies tell us about how different real estate is as an asset class for retail investors

If you read the typical articles about these topics and didn't find any useful insights- especially if you were one of the many community members that sent us one- this show is for you!

Listen NOW!

Chapters:

00:00 Introduction and Welcome
02:19 Summit Announcement and Details
09:49 Discussion on 50-Year Mortgages
11:07 Historical Context of Mortgages
20:16 Investor Perspective on 50-Year Mortgages
24:42 Inflation Profiting Explained
31:26 The Kicker: Real Estate as a Wealth Building Tool
32:40 The 50-Year Mortgage: A Deep Dive
33:55 Comparing 30-Year and 50-Year Mortgages
37:23 Challenges and Considerations of 50-Year Mortgages
39:33 Portable Mortgages: A New Concept
45:03 Addressing Housing Affordability
53:22 Q&A Session: Real Estate Insights
01:01:54 Final Thoughts and Takeaways

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