November 12, 2025 | Mortgage Strategy | Presented by ReadySetLoan™️ The 50-year mortgage has entered the conversation as buyers search for creative ways to make homeownership more affordable. But before you sign up for half a century of payments, it’s important to understand how stretching your term impacts your total cost, equity growth, and financial flexibility. Why the 50-Year Mortgage Is Gaining Attention As home prices and mortgage rates remain elevated, some lenders ha