In this episode of You’re Buying a Home with Silas Lindenstein, I break down the buzz around 50-year mortgages and whether they actually make homeownership more affordable — or just more expensive over time.

We talk about how longer mortgages lower your monthly payment, why that can be misleading, how interest and amortization really work, and why lenders often focus on what’s possible instead of what’s sustainable. I also explain who these loans might make sense for (rarely), the risks of relying on future refinancing, and why mortgage choices are as much about peace of mind as they are about math.

If you’re a first-time buyer or feeling stretched by today’s prices and rates, this episode will help you think clearly before locking yourself into decades of stress.