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Which banks or credit unions currently offer 50-year mortgages in the U.S. or internationally?
Executive summary
As of November 2025, available reporting shows 50‑year mortgages are a high‑profile policy proposal in the U.S. rather than a widely available product; the Trump administration and FHFA director Bill Pulte have floated allowing such loans, and analysts warn they would raise lifetime interest costs and require regulatory changes because Fannie Mae and Freddie Mac currently back only up to 30‑year conventional loans [1] [2] [3]. Outside the U.S., long‑term mortgages (longer than 30 years) exist in other markets, but the provided sources do not list specific banks or credit unions currently offering 50‑year mortgages domestically or internationally (available sources do not mention specific lenders offering 50‑year loans).
1. Policy push, not a roll‑out: who’s proposing 50‑year loans
The prominent actors pushing the idea are President Trump and FHFA Director Bill Pulte; media coverage and industry pieces describe the 50‑year mortgage as a White House/FHFA proposal intended to lower monthly payments and expand access, not as an immediate, market‑wide product launch [4] [1] [5].
2. Why the product isn’t already common in the U.S.: regulatory and secondary‑market limits
Fannie Mae and Freddie Mac—the government‑sponsored enterprises that create the secondary market for most U.S. mortgages—currently use 30‑year caps for conventional fixed loans, and the Qualified Mortgage (QM) and Ability‑to‑Repay rules would need revision for 40‑ or 50‑year products to be broadly offered as QM loans [3] [6]. Analysts and lenders repeatedly tell reporters that without QM changes, lenders could only originate oddball non‑QM 50‑year products at higher rates and limited scale [3] [6].
3. What lenders and credit unions currently offer: the record is silent on 50‑year offerings
Coverage and lender web pages in the provided search results catalogue many banks and credit unions’ mortgage products (15‑, 20‑, 30‑year, some 40‑year programs at niche lenders), but none of the supplied sources name a U.S. bank or credit union currently marketing standard 50‑year fixed conventional mortgages to retail borrowers (available sources do not mention specific U.S. lenders offering 50‑year mortgages; [15]–[15]2).
4. Historical and international context: rare but not unprecedented
Longer terms have appeared before: late‑2000s U.S. markets saw some 40‑ and 50‑year deals in specific pockets, and other countries (e.g., parts of the UK and Canada) already have longer‑amortization options; commentary frames a potential 50‑year U.S. product as importing a concept used abroad, although U.S. secondary‑market structures differ [7] [8] [9]. The sources note that 50‑year loans in the past were usually non‑Agency and therefore carried particular risks and limited resale prospects [9].
5. Industry reaction: lenders and investors pushing back
Credit‑lending trade responses and analysts warn that 50‑year loans change prepayment and duration dynamics, could force higher guarantee fees or rates to compensate investors, and might be sold initially only in the non‑Agency market—meaning banks or specialty mortgage firms could originate them but with limited liquidity and higher pricing [10] [11] [12]. Several outlets report mortgage industry pushback against the White House idea [13].
6. Consumer trade‑offs lenders and advisers emphasize
Financial firms and outlets emphasize that a 50‑year term lowers monthly payments only modestly relative to shorter terms and substantially increases cumulative interest and slows equity accumulation—the UBS and Forbes analyses quantify much higher lifetime interest and slow equity build‑up as key drawbacks [14] [11] [2].
7. What to watch if you want a 50‑year loan or a list of providers
Because the proposal hinges on regulatory change and secondary‑market demand, the most likely near‑term place to find a 50‑year product would be niche non‑QM lenders or private mortgage originators if they choose to test the market; however, the current corpus of reporting and lender pages supplied here do not identify named banks or credit unions offering an active 50‑year mortgage product (available sources do not mention specific lenders currently offering 50‑year mortgages; [3]; p1_s9).
Limitations and disagreement: sources agree the idea is prominent and contested, but they disagree on likely benefits; UBS and Forbes stress marginal benefits and higher lifetime costs [14] [11], while some industry voices call the idea “pro‑homeowner” or a growth opportunity for non‑Agency lenders [10]. My reporting here is limited to the documents you provided; if you want a current catalogue of specific lenders, I can search broader market listings and lender rate pages beyond these sources.