As U.S. housing prices continue to climb and affordability tightens, discussions around unconventional mortgage structures—such as 50-year home loans—have resurfaced. Although not yet widely available in the United States, longer-term mortgages exist internationally, especially in markets where homeownership costs have outpaced wage growth.
Given that Hispanic households represent one of the fastest-growing groups of first-time buyers—and also one of the groups facing the steepest affordability