50-year mortgages may soon become a mainstream option, promising lower monthly payments for buyers facing affordability challenges. But do they truly help—or simply cost borrowers more in the long run? Here’s what homebuyers need to know before considering a 50-year term.

In today’s competitive housing market, many investors and small business owners are turning to hard money loans as a flexible way to fund projects quickly. Unlike traditional bank loans, hard money loans rely less on a borrower’s credit history or income documents and more on the value of the property being purchased or renovated.