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What happens when the debate over a 50-year mortgage ignores the actual rules that make it possible? This episode breaks down the mortgage term discussion through the facts homeowners need to know: why a 50-year loan can’t exist without modifying the Dodd-Frank Act, how the QM rule limits loan terms, what higher rates would do to affordability, and why extending a mortgage may save a little per month while costing hundreds of thousands more in interest. Quinton walks through real payment scenarios, the regulatory walls in the way, and the difference between meaningful policy shifts—like removing LLPA fees on cash-out refis—and headline ideas that won’t move the needle for buyers. “Facts over fear always wins when you’re talking about owning a home.”

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Ep. 262 - 50-Year Mortgages: The Truth No One’s Telling Homeowners