As housing affordability continues to challenge buyers across the country, an old idea is resurfacing: the 50-year mortgage. While it sounds extreme at first, this extended loan term is gaining traction as a tool to make monthly payments more manageable.
Why Some Buyers Get Denied—Even After Pre-Approval In 2025’s competitive housing market, getting pre-approved is an exciting step—but it’s not a guarantee. As Jorge Martinez of championmortgagelending.com explains, “Pre-approval gets you in the game, but the real challenge is keeping your mortgage on track through closing.”
In 2025, many would-be homeowners are stuck on the same question: Should I keep renting, or is it finally time to buy? At face value, renting might seem like the cheaper choice. In several U.S. markets, renting a similar-sized home costs about $900 less per month than buying a starter home. That kind of savings can feel hard to ignore.
With rates and prices shifting, home affordability has become one of the biggest concerns for buyers. Homes that once felt comfortably within reach may now stretch monthly budgets further than expected. But the good news is — there are ways to increase your buying power even in today’s market.
