Episode 110: The Truth About 50-Year Mortgages: Why Longer Isn’t Better

Is a 50-year mortgage the answer to America’s housing affordability crisis or just another trap for future homeowners? In this episode, KT Temple and Kent Temple break down the buzz around the newly proposed 50-year mortgage and reveal why the math simply doesn’t add up.

They unpack the real numbers behind 15-, 30-, and 50-year loans, explain how long-term debt impacts equity, and share practical tips for building wealth faster, even in a tough housing market. Plus, they discuss what real policy changes could actually make housing more affordable, from capital gains adjustments to smarter mortgage structures.

If you’re a homeowner, investor, or first-time buyer curious about the real impact of extended loan terms, this episode will give you the clarity you need, minus the hype.