Why Trump’s 50-Year Mortgage Plan Won't Save You

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V I D E O S    T O    W A T C H    N E X T :


Online Business Tips to Working and Traveling In Mexico: https://www.youtube.com/watch?v=9zGH0voCyOc&list=PLh3xKhkMgH_IA6s3KvB_g9Cc9Ze1eji8j&index=2

Moving to Mexico: 10 Reasons Why We Chose to Live in Guadalajara https://www.youtube.com/watch?v=dK23vD8_xjc&list=PLh3xKhkMgH_LAY7UV78YMgms-f2e1UcwN&index=23

Tips for Moving Overseas: Top 5 Remote Work Skills That Make Money: https://www.youtube.com/watch?v=bFzjCrlNAL8&list=PLh3xKhkMgH_IA6s3KvB_g9Cc9Ze1eji8j


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Transcript

Justin Keltner-2: 0:36

Let's talk about Trump's new 50 year mortgage idea because on the surface it sounds like it's helping families afford homes again. But here's the truth. A 50 year mortgage isn't designed to help you buy a home. It's actually designed to keep you paying the bank forever. And if you're still living in the US or the UK or Western Europe right now. And you're watching your purchasing power just completely disappear, then you really need to understand what all of this means. Hi, I'm Justin from Entrepreneur Expat, and on this channel we help freedom minded professionals and entrepreneurs build global lives without sacrificing comfort, income, or security. If that's something you're interested in learning more about. Then make sure to hit that subscribe button and hit that notification bell too so that you don't miss a single video. We're coming out with new content here on YouTube and on our podcast every single week, so make sure you follow us and subscribe to us on Apple. Podcasts or on Spotify. If you haven't already, make sure you hit that notification bell and give this video a like. It really helps us out a lot. you're definitely gonna want to check out our resources below. We've got both free resources for you on moving abroad, if that's something that you're interested in, As well as building a location independent business, So make sure you check those out in the description. In this video we're gonna cover what's not just politics. It's about what the actual math is here, and it's about what that tells us about the future of living costs debt, and why so many people are being trapped instead of helped. So let's dive into what this 50 year mortgage actually is. In this last quarter here, late 2025, Trump floated this idea of the 50 year mortgage as a way to quote, help families qualify for homes. But. Extending the term of a mortgage does not somehow, automatically make the homes cheaper. It just lowers the monthly payment. It's not like the government is somehow magically reducing prices. Banks love this because it's massively increasing. The total interest paid, which we're gonna show you the math of in a second. But it's kind of the same play as the 30 year mortgage was when that was introduced in the 1930s, which at the time was considered an absurdly long mortgage. Let's look at the actual math here, because nothing speaks louder than the actual numbers. Let's look at an example of a very modest$400,000 home, which by the way, if you're in New York or California or even Miami, that's gonna be much closer to a million dollars. But let's look at just that average ish,$400,000 home at the average 30 year mortgage rate, which is around 6.6% as of November, 2025. The total amount of interest without going into the. The nitty gritty details of every single step of the equation, but the total amount of interest you're gonna pay on that$400,000 home is about$510,000. That's just on a 30 year mortgage. You're already paying more than the value of the house in interest payments to the bank. Now, guess how much a 50 year mortgage is at exactly the same rate. It's over$900,000 in interest. We've checked this math. If, if there's something off, tell me in the comments, but it's not looking great. Right? If I'm missing something, let me know, but it's, it's not looking good. From what we can see here, the banks are just gonna be making nearly double the money from the same house, and that's assuming that the interest rate stays the same. I don't think the interest rate. Is going to stay the same, frankly, because the banks are gonna be taking more of a risk, at least in their eyes, because, hey, we're giving you decades more to pay this thing off. So it's probably gonna be at a higher interest rate. The system really doesn't solve anything about housing affordability. It simply spreads the pain out over more decades so that people just don't notice. The result, at the end of the day, new buyers become permanent debt surfs instead of actual homeowners. 50 years, guys, come on. I mean, you're, you're probably not going to live to see the end of this mortgage depending on how old you are and how much crap they keep putting in the food in the United States. So what's the hidden agenda here? Well. I think personally it's that they want the prices to go even higher. Obviously, there's some other political reasons, like we want you to think that we really care about you and that we're trying to do something to fix the problem. I don't think that's even remotely true. I don't trust any of these politicians. It doesn't matter if it's red or blue or black or orange or whoever in the White House. They are all lying to us. They are all scamming us. If you can't see that, please, please, please wake up. So here's the, here's the deal here, really, guys, right? If the buyer can afford less per month, then they're going to bid more. And that in turn is going to increase home prices even more than they've been going up. Now, you saw this when, for example, you know, they were doing like simulations and talking about how when Kamala was going to give people a, it's like a$25,000 check or something to buy their first home. Guess what? All of the real estate people were saying. Well, okay, great. Now the home prices are gonna go up by. At least 25,000, if not more. And the builders are gonna inflate their prices because they know that people are willing to spend more money. And exactly the same way this 50 year mortgage is going to artificially prop up an already broken market. It simply keeps young people locked into the system and into all the games that these politicians and bankers play. Instead of threatening the system and protesting by either renting, moving, or opting out of the system. Like I said earlier, it solves a political problem, really unhappy, priced out voters, but economically, it really just digs the hole. Even deeper, and this is a major generational trap because a 50 year mortgage means that many people will never actually pay off their home during their working life. You're literally committing your entire career's, future earnings for a house, and it's just doing more to normalize this idea. That debt is a lifelong and inescapable thing. You could even end up passing debt to your children as part of the probate instead of actually passing them a paid off house. This is really sad. It really, really, really saddens me that things are going in this direction. It's really shifting the meaning of owning a home from independence to lifelong servitude. You, you're just gonna be paying this bank forever and ever and ever. Now let's talk about why this push is actually happening now. Well, of course, as we all know, this housing affordability crisis absolutely is real. The baby boomers are holding most of the housing stock also add this in that. Not just the baby boomers, but companies like BlackRock are systematically buying up all of these single family homes and playing monopoly with them. So prices are going up even more because of that. This is obviously not helping at all, and now younger generations are getting priced out due to inflation and wages just not keeping up. Of course politicians can't fix the supply shortage, so what do they do? Well, they fix the monthly payment instead without lowering the prices, and they just keep the debt machine running and running and running. What is America, but a giant debt machine. And by the way, other countries already do this or are planning on it. The UK has been recently floating 40 to 50 year mortgages as well. Japan has had a hundred year mortgages before, which are really just multi-generational debt traps. These mortgages did not fix housing affordability in those countries. They just inflated prices even more until young families couldn't even enter the market. Now, here's a solution that nobody wants to admit. Housing is not going to get more affordable in the us, the uk, Canada, or Western Europe. Undercurrent monetary policy. These young earners are being squeezed harder every year. Wages versus inflation versus debt. It's really coming at them from all angles. The real solution, if you're an entrepreneur, expat or aspiring expat, watching this, as you may have guessed. Is move somewhere that you can actually buy a home debt free or with a small mortgage. Mexico, parts of Latin America, Eastern, and even sometimes Central Europe and Southeast Asia do offer a lot of affordability. A 50 year mortgage is a sign that the system is collapsing. Not that it's something to lean into and say, yay, Trump, let's go. You know, you're doing a good job. You can buy a house like a really nice house where we live here, for example, in the Lake Al area of Mexico, which by the way. If you're interested in purchasing a house here, we're connected with a lot of realtors, not just in this area, but all over the country, and as we've been talking about for some time, we're even releasing a nationwide MLS here in Mexico that's going to be targeted towards expats, looking for properties in Mexico and later and other parts of the world as well. There are houses right here on our block that you can buy cash for about 150,000 USD. You never have to get a mortgage. You get the money. Maybe it's a, it's a, a HELOC on your existing home that you pay off, which is not that accessible as it was a few years ago, um, based on the current interest rates, but whatever. Or like a lot of our clients do, they, they have investments perhaps, a couple million dollars in a retirement account, or they have cash that's a little bit more liquid that's sitting around or even a house that they're looking to sell. In the United States or Canada. By the way, if you're a high net worth individual like that and you're looking for help relocating to another country, whether it's getting your visas, getting the paperwork for that sorted, uh, figuring out the details of how to move your family here, perhaps private school, uh, bilingual private school for your children. Or you're looking to relocate your business and your staff, or even do, do some near shoring hire people in a place like Mexico, for example, or Panama or Costa Rica, or even countries in Southeast Asia or Europe. We have experts all around the world that work with our team. You can just go to entrepreneur expat.com/consult, book a call with myself or a member of my team, and we'll help you get all of the details sorted out for you, your family, and your business. Just go to entrepreneur expat.com/consult and you can book that call at a time that's convenient for you. We talked about this a lot on this channel, but your government does not have your best interest at heart, and if their best plan, their best solution to all of this. Is to keep you in debt longer instead of actually fixing the underlying problem. It might really be time to rethink where you want your future to be. So if you're thinking about life abroad, you want a real plan for relocating, don't forget to book that consult because you can relocate somewhere like Mexico and live on a few thousand dollars a month. Very, very, very, very well. The same type of lifestyle that you might be paying 10 or 15 or$20,000 or more a month for. In the United States or Canada, entrepreneur expat.com/consult. And also check out all of the free goodies, in the description of this video, like and subscribe for more and we'll see you again on the next one.