November 12, 2025 • 12 mins
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New gear is here! Check out the latest in the Justin Store: https://justinbarclay.com/store
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Try Cue Streaming for just $2 / day and help support the good guys https://justinbarclay.com/cue
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
I've seen a lot back and forward done this, and
I think that is it's one of the reasons that
you got to bring in a trusted friend, someone's got
some experience in the subject matter to see it. I
see some I see kind of both sides of this,
but I pros and cons. I want to say, we've
(00:20):
been hearing this fifty year mortgage idea floated by President Trump.
Fortune's got an article out that says it could say
you one hundred and nineteen dollars a month, but it
would double your interest you pay over the long run.
CNN's saying, is this a good idea? Trump just floated
a fifty year mortgage? They're doing it in places like Japan,
(00:43):
But what does it look like for you and for
others who are you know, trying to get things a
little more affordable in a scheme of things. Dave got Away,
a good friend from Heartland Home Mortgage joining us right
now HHM lending dot Com. Dave, welcome in fifty year
mortgage from the mortgage guy. Let's find out.
Speaker 2 (01:02):
Look.
Speaker 1 (01:03):
I saw a Babylon Bee. You may have seen this too,
but Babylon by the article that said Dave Ramsey in
critical condition did some care after about the year mortgage? Okay,
I had to have a chuckle, good bad? What do
you what do you make of this and how the
industry take it in?
Speaker 2 (01:21):
Well?
Speaker 3 (01:22):
Good morning, thanks for having me on. And I mean
you can find positives to anything overall. I guess it
depends on what your good bad? It would would you
know would be all about?
Speaker 2 (01:33):
Right? So why is Trump doing this?
Speaker 3 (01:36):
I think the biggest thing you need to look at
is his inflation fight, right so he hasn't been able
to get inflation down as fast as he wanted. Interest
rates and that affordability, whether it's be insurance, property text
or inb so his I think his response is what
can we do to improve housing expenses?
Speaker 2 (01:55):
Right?
Speaker 3 (01:55):
So that is a way that you can bring down
housing like the monthly payment, and I think that's a
Then you're taking a rarely completely fundamental shift in what
you're looking to accomplish, because you know, being on you,
if you want to be a homeowner, you typically you
want to end up paying that home off, going to
retirement and not have a loan anymore. Now, anybody who
(02:17):
follows Trump knows he has no problem with that, right
He'll borrow and borrow, he's fine with that.
Speaker 2 (02:21):
So he's looking at affordability.
Speaker 3 (02:24):
And so while you know, in the past it was
once I got to my retirement age, hopefully my home
is paid off, I think we're you know, really fading
into a different realm of hey.
Speaker 2 (02:37):
How can I make my life more affordable in retirement.
Speaker 3 (02:40):
So if somebody is, you know, sixty years old right
now and they have twenty one years left on their
mortgage and they're struggling to make their house payments, well,
if they can save a couple hundred dollars a month,
and do they really care and when they pay their
home off? And I'm not endorsing one way they I'm
just giving a picture of the thought process. On the
other hand, like you mentioned Japan, So Japan went to
(03:03):
what's actually called a generational mortgage, which is one hundred years, right,
So that's crazy, and they did that for affordability. Now,
what's going to happen when they if we go to
these fifty years, will it spur the housing industry, will
improve affordability. It'll it'll definitely improve affordability very temporarily because
all these home prices, just like in twenty twenty one,
(03:26):
when rates were really cheap. All the home prices were
set on what the payment comes to. Right, So initially,
if those payments drop because the fifty years introduced, home
prices are going to escalate really fast and they're going
to spike because now you have a whole set of
affordability that I can afford these homes. And what it
did in Japan has actually made it to where the
(03:48):
richest people were buying these homes, you know, because they
had such low payments and it was spread out forever,
and then they would just you know, the next generation
would inherit them. That's why it was called a generational mortgage.
And there's tons of stuff going on here.
Speaker 1 (04:04):
Man oh Man lots to consider, So maybe a short
term gain in his presidents in his mindset here, can
I can I refinance? Like if I'm twenty years old
and I get a fifty year mortgage and it makes
it more affordable, I can get into that home that
I want to get into. Can I refinance? Or is
(04:27):
the interest too heavy? What does that look like down
the road.
Speaker 3 (04:33):
We haven't gotten any specifics as far as what these
programs are going to look like. I don't even know
if it's going to be available on or refinance, I
would assume it is, or if it's just going to
be a purchase option, because so this is just once
again Trump throwing a tweet out.
Speaker 2 (04:45):
And I know some other people.
Speaker 3 (04:46):
I've mentioned it, but we haven't gotten any specifics to know.
The one question I would have is if you've ever
gotten a mortgage and you've priced out the difference between
like a fifteen and a thirty.
Speaker 2 (04:57):
You know, the higher you go on term, the higher you're.
Speaker 3 (04:59):
In interest rate is So in a lot of situations,
are you even benefiting much? You know, let's just say
it a thirty year year year interest rate six and
a quarter, and if you take a fifty year at
seven and a quarter, well, are you really benefiting much
from a monthly payment standpoint?
Speaker 2 (05:15):
Anyway?
Speaker 3 (05:15):
So that would be we haven't but we haven't seen
anything as far as interest rates, program guidelines or anything
like that at this point.
Speaker 1 (05:22):
So he wants writes to come down quicker. We have
seen movement there. You and I talked about that. I
think it was must have been last week and we
we we talked about that story. But it's maybe not
as fast as he'd like to see and then the
other piece of this is affordability, right, is is can
these kids afford you know, afford it? But there's a
(05:44):
lot that goes into that, and you know, some of
that is this student debt, that the loan debt that
they've they're they're kind of sunk with a lot of them,
and gosh, I can't imagine, you know, trying to make
things work with that. It's already tough enough. So I
understand the problem. I understand why people are are looking
(06:04):
for solutions here, and he does. I mean, he's got
it from a political standpoint. He's those young people got him,
They got him elected, so he's smart to make sure
that he is taking care of him because this is
this is a real issue for a lot of these
a lot of these folks. But what is the way out? Boy?
That's the question in itself, Dave, What what do we do?
Speaker 3 (06:28):
That's not talked about much is the offloading of Fanny
and Freddie as government sponsored sponsored entities.
Speaker 2 (06:34):
And that's a goal.
Speaker 3 (06:35):
I mean, we could see that happening possibly within the
next three months to where they are they are shifted
off and their private entities. And that's part of why
he's he's pushing something like this as well. It's not
going to be on the government will be on them
to create, you know, profit off it as a private
entity also have competition for people.
Speaker 2 (06:52):
But you we're at the highest point.
Speaker 3 (06:55):
In history as far as housing ratio, and what that
means is the percentage of your house payment taking up
your monthly income. And that's the scary slope that historically
when it's had these spikes like we've just seen since
twenty twenty, as it's gone up, there's typically a response
to that, and it's not a good one when.
Speaker 2 (07:15):
It comes to home values.
Speaker 3 (07:17):
So I think they're looking at those stats and they
want to try and avoid the home values falling off
because of affordability with income.
Speaker 2 (07:26):
So, like I said, there's a lot going on there.
It's curious to watch.
Speaker 3 (07:30):
And if you'd like to be a mortgage nerd like
I am, there's some pretty cool charts you can look
at that go all the way back, you know, through
the early nineteen hundreds to show how our income and
monthly affordability are, you know, how they're flowing historically.
Speaker 1 (07:44):
Okay, so let's just say because there's a lot of
people say that debt and the long term part of
this is the problem. So let's just say that I'm
a twenty year old I get a fifty year mortgage
and it solves my payment issue and things like that,
and I feel good about it, but I want to
I'm kind of in the Dave Ramsey school, So I
either want to pay it off as quick as I can,
(08:05):
or I want to refinance get a shorter term down
the road, maybe I can afford more, or maybe interest
rates come down later and things really get affordable. Are
those options and what does that look like?
Speaker 3 (08:20):
Yeah, you're always going to have that ability to refinance
and escalate the payments on it. And if you have
the ability to do that, then you definitely want to
because you are going to get a lower interest rate.
The other thing is does it spur more activity for
people to end up renting their home instead of selling it?
You know, part of the advantage when you sell your
home is you get to collect that equity and use
(08:40):
it toward the down payment on your next purchase. But
if you're not, if you're on a fifty year loan,
you're not paying down much equity every month. So does
it then make it more to where you'd say, we'd
rather just hang on to it, rent it out because
I you know, because the payment's low on the fifteen
years fifty years. So yeah, you always have some opportunity
to switch into something that'll pay off sooner. It's just,
(09:02):
you know, it's just a matter of where the trends go.
If you go back to the seventies, everybody felt you
had to have twenty percent down, and you know, there
were fifteen year mortgages, and you know, now it's become
thirty as kind of the standard.
Speaker 1 (09:16):
Okay, And to your point, as you just mentioned, Dave
Galliwie Hartland home mortgage with us, if you've got more
people and I'll just do the math on this, but
if you've got more people coming into the housing market
because now they can afford to buy that house, even
as first time home buy or whatever it might be.
It might be different, different levels of home ownership in
different areas. But if you've got more people chasing those homes,
(09:39):
more money out there, the cost of them, now your
values will go up, but then the cost is also
going to go up. Is just what you said happen
in Japan. So I think those are interesting things to
note for people to take in whether or not this
actually becomes a real thing. It's being floated right now
by President Trump, and these are pieces of it. Anything
(09:59):
else we might I want to consider him. We're taking
a look at this subject.
Speaker 3 (10:03):
Yeah, I think it's the overall what would drive the
housing market, you know, what would spur cheaper homes, and
that would be less regulation, right, It's like make it
easier on the builders to get these homes built. And
then also the you know, the immigration stuff of allowing
people to come in and work on those home. Let's
get these homes built cheaper and faster.
Speaker 2 (10:21):
But that, of course is.
Speaker 3 (10:22):
Something you know Trump's tried to fight that. He's done
a ton federally. But when you go to state levels,
I mean, you think you're going to go into California
and get them to make it cheaper and easier to
build a home, You're out of your mind.
Speaker 2 (10:32):
You know they're not going to back off of that.
Speaker 3 (10:34):
So I think that's where a lot of this stuff
comes in, like, hey, let what what can we do?
Speaker 2 (10:37):
What options do we have?
Speaker 3 (10:39):
And yeah, certainly, you know, like I said, I'm not
advocating for the fifty year loan. I just think it's
something they're trying to see, hey, what can we do
that will initially have a have an effect on housing affordability.
Speaker 1 (10:50):
And if you want to know why this is happening,
this is this is one of the latest some data
out there. The median age of a home buyer in
the US now stands at sixty one. The median age
of a home buyer stands at sixty one, first time
home buyers hitting a record low twenty one percent. That's
why we see this fifty year and at amid the
(11:12):
same time we see this announcement coming out. What does
that tell you, Dave, when we hear those stats.
Speaker 3 (11:18):
Yeah, it just says that salaries and income is not
keeping pace with the price the cost of housing. And
you know that's that's a struggle. And you know, it
seems to be the answer to this point has been
let's build more apartments and keep people renting. And I mean,
I understand it if you're somebody who can't afford the house.
(11:38):
And so that's the that's the struggle, right is like, hey,
where we where do we fight that affordability? So if
you know, a fifty year could lend itself to somebody saying, well,
now I can get qualified.
Speaker 2 (11:47):
Now I can afford that home. So yeah, it may
be an answer for some people.
Speaker 1 (11:52):
Dave Gataway, Harlan Home Mortgage, speaking of answers, you want help,
you want to figure out what to do. You're in
a situation, no matter whether you want to buy REFI
home like what helic, whatever it might be. Those are solutions,
But maybe your questions are, how do I make things
a little more affordable, how I get rid of some
of this credit card debt that I've got, how do
I do any number of things? Dave has answers to
his help. So many people will listen to this program.
(12:14):
And I will tell you not only say thousands, but
they're faster, they're better than the big banks. Dave Gataway
and Heartland Home Mortgage always willing to answer those questions
for you, and Dave, that's why I think we appreciate
you and always love to hear from you.
Speaker 2 (12:29):
Hey, pleasure is always mind to be on it. I
really appreciate you guys.
Speaker 1 (12:32):
Have a blessed day you too, brother, God bless talk
to you soon. There we have in folks, some of
the latest
I've seen a lot back and forward done this, and
I think that is it's one of the reasons that
you got to bring in a trusted friend, someone's got
some experience in the subject matter to see it. I
see some I see kind of both sides of this,
but I pros and cons. I want to say, we've
(00:20):
been hearing this fifty year mortgage idea floated by President Trump.
Fortune's got an article out that says it could say
you one hundred and nineteen dollars a month, but it
would double your interest you pay over the long run.
CNN's saying, is this a good idea? Trump just floated
a fifty year mortgage? They're doing it in places like Japan,
(00:43):
But what does it look like for you and for
others who are you know, trying to get things a
little more affordable in a scheme of things. Dave got Away,
a good friend from Heartland Home Mortgage joining us right
now HHM lending dot Com. Dave, welcome in fifty year
mortgage from the mortgage guy. Let's find out.
Speaker 2 (01:02):
Look.
Speaker 1 (01:03):
I saw a Babylon Bee. You may have seen this too,
but Babylon by the article that said Dave Ramsey in
critical condition did some care after about the year mortgage? Okay,
I had to have a chuckle, good bad? What do
you what do you make of this and how the
industry take it in?
Speaker 2 (01:21):
Well?
Speaker 3 (01:22):
Good morning, thanks for having me on. And I mean
you can find positives to anything overall. I guess it
depends on what your good bad? It would would you
know would be all about?
Speaker 2 (01:33):
Right? So why is Trump doing this?
Speaker 3 (01:36):
I think the biggest thing you need to look at
is his inflation fight, right so he hasn't been able
to get inflation down as fast as he wanted. Interest
rates and that affordability, whether it's be insurance, property text
or inb so his I think his response is what
can we do to improve housing expenses?
Speaker 2 (01:55):
Right?
Speaker 3 (01:55):
So that is a way that you can bring down
housing like the monthly payment, and I think that's a
Then you're taking a rarely completely fundamental shift in what
you're looking to accomplish, because you know, being on you,
if you want to be a homeowner, you typically you
want to end up paying that home off, going to
retirement and not have a loan anymore. Now, anybody who
(02:17):
follows Trump knows he has no problem with that, right
He'll borrow and borrow, he's fine with that.
Speaker 2 (02:21):
So he's looking at affordability.
Speaker 3 (02:24):
And so while you know, in the past it was
once I got to my retirement age, hopefully my home
is paid off, I think we're you know, really fading
into a different realm of hey.
Speaker 2 (02:37):
How can I make my life more affordable in retirement.
Speaker 3 (02:40):
So if somebody is, you know, sixty years old right
now and they have twenty one years left on their
mortgage and they're struggling to make their house payments, well,
if they can save a couple hundred dollars a month,
and do they really care and when they pay their
home off? And I'm not endorsing one way they I'm
just giving a picture of the thought process. On the
other hand, like you mentioned Japan, So Japan went to
(03:03):
what's actually called a generational mortgage, which is one hundred years, right,
So that's crazy, and they did that for affordability. Now,
what's going to happen when they if we go to
these fifty years, will it spur the housing industry, will
improve affordability. It'll it'll definitely improve affordability very temporarily because
all these home prices, just like in twenty twenty one,
(03:26):
when rates were really cheap. All the home prices were
set on what the payment comes to. Right, So initially,
if those payments drop because the fifty years introduced, home
prices are going to escalate really fast and they're going
to spike because now you have a whole set of
affordability that I can afford these homes. And what it
did in Japan has actually made it to where the
(03:48):
richest people were buying these homes, you know, because they
had such low payments and it was spread out forever,
and then they would just you know, the next generation
would inherit them. That's why it was called a generational mortgage.
And there's tons of stuff going on here.
Speaker 1 (04:04):
Man oh Man lots to consider, So maybe a short
term gain in his presidents in his mindset here, can
I can I refinance? Like if I'm twenty years old
and I get a fifty year mortgage and it makes
it more affordable, I can get into that home that
I want to get into. Can I refinance? Or is
(04:27):
the interest too heavy? What does that look like down
the road.
Speaker 3 (04:33):
We haven't gotten any specifics as far as what these
programs are going to look like. I don't even know
if it's going to be available on or refinance, I
would assume it is, or if it's just going to
be a purchase option, because so this is just once
again Trump throwing a tweet out.
Speaker 2 (04:45):
And I know some other people.
Speaker 3 (04:46):
I've mentioned it, but we haven't gotten any specifics to know.
The one question I would have is if you've ever
gotten a mortgage and you've priced out the difference between
like a fifteen and a thirty.
Speaker 2 (04:57):
You know, the higher you go on term, the higher you're.
Speaker 3 (04:59):
In interest rate is So in a lot of situations,
are you even benefiting much? You know, let's just say
it a thirty year year year interest rate six and
a quarter, and if you take a fifty year at
seven and a quarter, well, are you really benefiting much
from a monthly payment standpoint?
Speaker 2 (05:15):
Anyway?
Speaker 3 (05:15):
So that would be we haven't but we haven't seen
anything as far as interest rates, program guidelines or anything
like that at this point.
Speaker 1 (05:22):
So he wants writes to come down quicker. We have
seen movement there. You and I talked about that. I
think it was must have been last week and we
we we talked about that story. But it's maybe not
as fast as he'd like to see and then the
other piece of this is affordability, right, is is can
these kids afford you know, afford it? But there's a
(05:44):
lot that goes into that, and you know, some of
that is this student debt, that the loan debt that
they've they're they're kind of sunk with a lot of them,
and gosh, I can't imagine, you know, trying to make
things work with that. It's already tough enough. So I
understand the problem. I understand why people are are looking
(06:04):
for solutions here, and he does. I mean, he's got
it from a political standpoint. He's those young people got him,
They got him elected, so he's smart to make sure
that he is taking care of him because this is
this is a real issue for a lot of these
a lot of these folks. But what is the way out? Boy?
That's the question in itself, Dave, What what do we do?
Speaker 3 (06:28):
That's not talked about much is the offloading of Fanny
and Freddie as government sponsored sponsored entities.
Speaker 2 (06:34):
And that's a goal.
Speaker 3 (06:35):
I mean, we could see that happening possibly within the
next three months to where they are they are shifted
off and their private entities. And that's part of why
he's he's pushing something like this as well. It's not
going to be on the government will be on them
to create, you know, profit off it as a private
entity also have competition for people.
Speaker 2 (06:52):
But you we're at the highest point.
Speaker 3 (06:55):
In history as far as housing ratio, and what that
means is the percentage of your house payment taking up
your monthly income. And that's the scary slope that historically
when it's had these spikes like we've just seen since
twenty twenty, as it's gone up, there's typically a response
to that, and it's not a good one when.
Speaker 2 (07:15):
It comes to home values.
Speaker 3 (07:17):
So I think they're looking at those stats and they
want to try and avoid the home values falling off
because of affordability with income.
Speaker 2 (07:26):
So, like I said, there's a lot going on there.
It's curious to watch.
Speaker 3 (07:30):
And if you'd like to be a mortgage nerd like
I am, there's some pretty cool charts you can look
at that go all the way back, you know, through
the early nineteen hundreds to show how our income and
monthly affordability are, you know, how they're flowing historically.
Speaker 1 (07:44):
Okay, so let's just say because there's a lot of
people say that debt and the long term part of
this is the problem. So let's just say that I'm
a twenty year old I get a fifty year mortgage
and it solves my payment issue and things like that,
and I feel good about it, but I want to
I'm kind of in the Dave Ramsey school, So I
either want to pay it off as quick as I can,
(08:05):
or I want to refinance get a shorter term down
the road, maybe I can afford more, or maybe interest
rates come down later and things really get affordable. Are
those options and what does that look like?
Speaker 3 (08:20):
Yeah, you're always going to have that ability to refinance
and escalate the payments on it. And if you have
the ability to do that, then you definitely want to
because you are going to get a lower interest rate.
The other thing is does it spur more activity for
people to end up renting their home instead of selling it?
You know, part of the advantage when you sell your
home is you get to collect that equity and use
(08:40):
it toward the down payment on your next purchase. But
if you're not, if you're on a fifty year loan,
you're not paying down much equity every month. So does
it then make it more to where you'd say, we'd
rather just hang on to it, rent it out because
I you know, because the payment's low on the fifteen
years fifty years. So yeah, you always have some opportunity
to switch into something that'll pay off sooner. It's just,
(09:02):
you know, it's just a matter of where the trends go.
If you go back to the seventies, everybody felt you
had to have twenty percent down, and you know, there
were fifteen year mortgages, and you know, now it's become
thirty as kind of the standard.
Speaker 1 (09:16):
Okay, And to your point, as you just mentioned, Dave
Galliwie Hartland home mortgage with us, if you've got more
people and I'll just do the math on this, but
if you've got more people coming into the housing market
because now they can afford to buy that house, even
as first time home buy or whatever it might be.
It might be different, different levels of home ownership in
different areas. But if you've got more people chasing those homes,
(09:39):
more money out there, the cost of them, now your
values will go up, but then the cost is also
going to go up. Is just what you said happen
in Japan. So I think those are interesting things to
note for people to take in whether or not this
actually becomes a real thing. It's being floated right now
by President Trump, and these are pieces of it. Anything
(09:59):
else we might I want to consider him. We're taking
a look at this subject.
Speaker 3 (10:03):
Yeah, I think it's the overall what would drive the
housing market, you know, what would spur cheaper homes, and
that would be less regulation, right, It's like make it
easier on the builders to get these homes built. And
then also the you know, the immigration stuff of allowing
people to come in and work on those home. Let's
get these homes built cheaper and faster.
Speaker 2 (10:21):
But that, of course is.
Speaker 3 (10:22):
Something you know Trump's tried to fight that. He's done
a ton federally. But when you go to state levels,
I mean, you think you're going to go into California
and get them to make it cheaper and easier to
build a home, You're out of your mind.
Speaker 2 (10:32):
You know they're not going to back off of that.
Speaker 3 (10:34):
So I think that's where a lot of this stuff
comes in, like, hey, let what what can we do?
Speaker 2 (10:37):
What options do we have?
Speaker 3 (10:39):
And yeah, certainly, you know, like I said, I'm not
advocating for the fifty year loan. I just think it's
something they're trying to see, hey, what can we do
that will initially have a have an effect on housing affordability.
Speaker 1 (10:50):
And if you want to know why this is happening,
this is this is one of the latest some data
out there. The median age of a home buyer in
the US now stands at sixty one. The median age
of a home buyer stands at sixty one, first time
home buyers hitting a record low twenty one percent. That's
why we see this fifty year and at amid the
(11:12):
same time we see this announcement coming out. What does
that tell you, Dave, when we hear those stats.
Speaker 3 (11:18):
Yeah, it just says that salaries and income is not
keeping pace with the price the cost of housing. And
you know that's that's a struggle. And you know, it
seems to be the answer to this point has been
let's build more apartments and keep people renting. And I mean,
I understand it if you're somebody who can't afford the house.
(11:38):
And so that's the that's the struggle, right is like, hey,
where we where do we fight that affordability? So if
you know, a fifty year could lend itself to somebody saying, well,
now I can get qualified.
Speaker 2 (11:47):
Now I can afford that home. So yeah, it may
be an answer for some people.
Speaker 1 (11:52):
Dave Gataway, Harlan Home Mortgage, speaking of answers, you want help,
you want to figure out what to do. You're in
a situation, no matter whether you want to buy REFI
home like what helic, whatever it might be. Those are solutions,
But maybe your questions are, how do I make things
a little more affordable, how I get rid of some
of this credit card debt that I've got, how do
I do any number of things? Dave has answers to
his help. So many people will listen to this program.
(12:14):
And I will tell you not only say thousands, but
they're faster, they're better than the big banks. Dave Gataway
and Heartland Home Mortgage always willing to answer those questions
for you, and Dave, that's why I think we appreciate
you and always love to hear from you.
Speaker 2 (12:29):
Hey, pleasure is always mind to be on it. I
really appreciate you guys.
Speaker 1 (12:32):
Have a blessed day you too, brother, God bless talk
to you soon. There we have in folks, some of
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