Is a 50-Year Mortgage a Good Idea? Here’s the Real Math.

Will the 50-Year Mortgage Make Homes Affordable? Here’s the Real Math.

There’s been a lot of talk lately about a new idea: 50-year mortgages.
Supporters say this would lower monthly payments and make homeownership easier again.
On social media, many people are comparing it to the moment almost 100 years ago when the 30-year mortgage was first introduced.

So… is this the same thing?
Will a 50-year loan make buying a home easier the way the 30-year loan once did?

Let’s break it all down in simple terms.

What Happens to the Payment on a 50-Year Loan?

Let’s use a clear example:
A $400,000 mortgage at 6% interest.

• 30-year loan: about $2,400/month

• 50-year loan: about $2,100/month

That’s a difference of …

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Patience Won’t Sell Your Home—The Right Price Will

Some sellers think they just need to wait for the perfect buyer to show up. But in today’s market, that’s not usually the issue. The real problem is often price.

Homes Are Sitting Longer

On average, homes are taking longer to sell than they did a year ago. Realtor.com reports that in August, the typical home sat on the market for 60 days—about a week longer than last year. With more homes for buyers to choose from, the competition is higher. But even more important, buyers are sensitive to price.

Why Pricing Matters More Than Ever

Many homeowners are still stuck in the mindset of the last big price boom. Back then, you could list almost anywhere and attract multiple offers. Today, that’s not the case.

For the past couple of years, average…

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Downsizing to Buy a Home in Cash

More and more homeowners are making a smart move by downsizing to buy a home in cash. They’re selling their current home, using the equity they’ve built, and buying their next home in cash. No mortgage. No monthly payment.

Why This Is Happening

*According to the U.S. Census Bureau, about 40% of American homeowners own their homes outright with no mortgage payments.*

Did you know that over 40% of U.S. homeowners own their homes outright, with no mortgage? This means millions can downsize or move next without taking on new debt.

Over time, many people build up a lot of equity. Some pay down their mortgage. Others see their home value rise. Many do both.

That equity can be powerful. When you sell, the profit can be enough to pay for your…

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How Trees Impact Home Value When Buying a Home

When you’re looking for a new home, you probably check the kitchen, bathrooms, or maybe even the garage size. But here’s something you might not think about—the trees! They’re not just part of the landscaping. Trees can actually raise or lower the value of a home.

Trees Can Boost Value

Healthy, well-placed trees are a big win. They add shade, which keeps your house cooler in the summer and lowers energy bills. Mature trees also make a yard feel established and welcoming. Most buyers love homes that have tall, beautiful trees. It just feels inviting. And guess what? Studies show homes with nice trees often sell faster and at higher prices.

Trees Can Become a Problem

Of course, not every tree is a good thing. Roots that grow too close to a…

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Top 5 Things to Know Before Moving to Nampa, Idaho

Thinking about moving to Nampa, Idaho? Whether you’re relocating from out of state or just curious about what it’s like to live here, this is a must-read (and watch).

Before we dive into the tips, check out this video overview by Isaac Crace—it’s been viewed over 7,900 times and gives a great intro to what life in Nampa is really like:

Watch: Why People Love Living in Nampa

1. Nampa Is Growing—Fast

Nampa has more than doubled in population in the last 20 years. It’s no longer just Boise’s little sibling—it’s a city with its own energy and momentum.

New developments, retail growth, and projects like the Sugar District are reshaping the city’s future.

Want to stay on top of what’s happening in Nampa? Visit AllThingsNampa.com for…

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3rd Annual Show & Shine in Nampa: Cars, Community, and a Cause Worth Supporting

Start Your Engines: Nampa’s Show & Shine is Back!

This Saturday, May 10th, from 7:30 AM to 2:00 PM, Grace Bible Church will host its 3rd Annual Show & Shine. Join us at 1415 Lonestar Road in Nampa. It’s going to be bigger and better than ever!

Expect a fantastic lineup of classic cars, jeeps, motorcycles, and more. With free admission, food vendors, music, a silent auction, and fun activities for the whole family, this event is the perfect way to kick off your weekend.

But it’s not just about eye-catching rides…

All proceeds support Backcountry Veterans. This local nonprofit supports veterans through outdoor activities. They offer hunting, fishing, hiking, and backcountry bonding. Their mission is to help veterans reconnect, recharge, and heal…

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Why So Many People Are Moving to Nampa, Idaho

Thinking about moving to Idaho? You’re not alone—and Nampa might just be the reason why.

Nampa, located just 20 miles west of Boise, is turning heads as one of the fastest-growing cities in the United States. This once small agricultural town has been transforming in big ways—and for good reason.

Affordable Living That Still Feels Like Home

If you’re looking for more house for your money, Nampa delivers. The cost of living here is significantly lower than in Boise and many other U.S. cities. Nampa is a great choice for first-time homebuyers or anyone wanting more value for their money. It balances affordability with a desirable lifestyle.

Small-Town Feel with Big-Town Access

Nampa keeps its friendly, small-town feel. At the same time, it…

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Think You'll Get a Better Deal? Think Again

You’re driving through your dream neighborhood when you spot the perfect home for sale. The sign has a phone number—so why not call? The agent can give you all the details, set up a showing, and maybe even help you make an offer.

Heck, you might even think you can get a discount by working with them directly. Saving on commission, right?

WRONG. 

This simple call could be one of the most expensive mistakes you make as a homebuyer. Here’s why.

1. The Agent on the Sign Works for the Seller—Not You!

Real estate agents have a legal duty to represent their client’s best interests. The agent on the sign? Their client is the seller—not you.

Their job is to:

• Get the highest price possible for the seller
• Get the best terms for the seller
…

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Is Turning Your Idaho Home Into a Rental a Smart Move? Here’s What No One Tells You

Idaho’s real estate prices are going up, and interest rates are high. So, buying a rental property for investment might not make sense right now. If you bought your home years ago at a lower price and interest rate, you might think about renting it out when you buy your next home. This strategy can seem appealing, but is it the right move?

Let's look at the benefits and drawbacks of making your Idaho home a rental. This will help you decide if keeping it is a wise financial choice.

Pros of Keeping Your Home as a Rental in Idaho

1. Low Mortgage Payment = Higher Cash Flow Potential

If you bought your home before prices went up and interest rates climbed, your monthly mortgage payment is likely low. Renting out your home at current rental rate,…

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Is Your Home at Risk? The Hidden Dangers of Being Underinsured in 2025

Imagine losing your home to a wildfire, hurricane, or flood. Then you discover your insurance won’t cover the full cost to rebuild.

Home values have soared since the pandemic and we have more and more natural disasters going on nationwide. A lot of homeowners sleep sound at night thinking they are fully protected, unaware that it might not be quite the case

It’s crucial to review your homeowner’s insurance policy from time to time and make adjustments if needed. So HERE IS WHAT YOU NEED TO KNOW to protect your home.

1. Rising Home Values: Are You Underinsured?

Why Does This Matter

Home prices shot up during the pandemic. The housing market has stabilized since, but construction costs stayed high. This is due to inflation and shortage of…

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