Housing market shake-up: administration considers 50-year mortgages and portability

Posted on Nov 14, 2025 / USA

Housing market shake-up: administration considers 50-year mortgages and portability

The Federal Housing Finance Agency (FHFA) announced it is exploring “portable mortgages” that could move with a homeowner to a new property, plus the potential offering of 50-year loans to broaden access. Proponents argue these innovations could lower monthly payments; critics warn of slower equity growth and higher interest over time. With median single-family home prices around $426,800, affordability remains a pressing issue.



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