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50-year mortgages, portable mortgages, and assumable loans – will they really fix housing affordability, or just add more risk and interest? In this video, we break down Trump’s proposed 50-year mortgage, how portable mortgages might impact move-up buyers, current mortgage rates (~6.3%), the National Association of Realtors 2025 profile (average seller age 64, holding 11 years), and what it all means for the Phoenix housing market, inventory, and today’s buyers vs sellers.

2025 housing market update with Chris Mincolla of the Mincolla Group of West USA Realty a top real estate agent in the greater Phoenix Area: jobs report, rising unemployment, Fed rate cuts (or lack of them), and what 6% mortgage rates mean for home prices, buyers, and sellers. We break down existing home sales, inventory, construction jobs, and why the “housing crash” and doom forecasts keep being wrong.

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