The Trump administration says it's working on a plan that could make 50-year mortgages a reality, a move aimed at helping younger Americans buy homes.

"A 50 Year Mortgage is simply a potential weapon in a WIDE arsenal of solutions that we are developing right now," Federal Housing Finance Agency Director Bill Pulte wrote on social platform X over the weekend, calling the idea a "complete game changer."

Pulte's statement came after President Trump floated the idea on Truth Social, posting an image touting himself as the creator of the 50-year mortgage.

Details remain sparse, but a longer-term loan option would likely mean lower monthly payments for homeowners — easing one of several affordability barriers that have pushed the typical age of first-time buyers to a record high.

However, a mortgage that stretches two decades beyond today's 30-year norm would also come with

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