As the White House and federal housing officials float backing 50-year fixed-rate mortgages as a potential tool to ease U.S. housing affordability, the proposal has drawn quick praise from some quarters and sharp criticism from housing economists and industry groups.

The idea surfaced publicly this month when President Donald Trump shared an image on Truth Social that appeared to hint at his support for introducing 50-year mortgages — a move later confirmed by FHFA Director Bill Pulte in a post on X.

That image featured a portrait of President Franklin D. Roosevelt labeled “30-year mortgage,” alongside Trump’s own photo under the details ⇒

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