The White House says it is considering a 50-year mortgage to address the home affordability crisis. Critics argue it won't solve issues like supply shortages and high interest rates. Bill Pulte, director of the Federal Housing Finance Agency, called it a "game changer" for homebuyers. He noted on X that it's just one potential solution among others being considered. A 50-year mortgage would lower a borrower's monthly payments but could dramatically increase their total interest paid. It would also delay equity accumulation compared to a 30-year mortgage.