With affordability at record lows, new mortgage ideas are surfacing to "fix" the housing market, but not all solutions make sense. In this solo episode, Ron Phillips breaks down the proposed 40- and 50-year mortgage options and explains how they might impact buyers, investors, and the broader economy. He compares payment savings versus long-term costs, exposes why extended loans could worsen inflation and supply issues, and shares his preferred alternative: a hybrid interest-only model that offers flexibility without trapping buyers in decades of debt. Ron also calls out how government overreach, regulation, and inflation continue to drive up housing costs, and what voters should know before supporting more intervention.

WHAT YOU'LL LEARN FROM THIS EPISODE

• What 40-year and 50-year mortgages actually mean for buyers

• The math behind payment savings, and why it's not the full story

• Why long-term loans could increase demand without fixing supply

• A smarter hybrid approach: interest-only periods that create flexibility

• How local elections matter most for housing reform

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