Said on Nov 9, 2025, at 8:06 in the video.
“I promise with a 50-year mortgage, you'll wind up paying closer to 7% because there's significantly more risk.”Not verifiable: subject not covered. Reviewed: the call is about a bond, Treasury, mortgage or savings rate that this rule does not measure.
30 days
Not verifiable
90 days
Not verifiable
180 days
Not verifiable
1 year
Not verifiable
30-year fixed mortgage rate: Freddie Mac PMMS via FRED, figures as first published. The shaded span is the window the call was checked over; grey bands are recessions.
| Window | Result | At the start | At the end | Change | Benchmark |
|---|---|---|---|---|---|
| 30 daysR-MACRO-LEVEL v4 | Not verifiable | — | — | — | — |
| 90 daysR-MACRO-LEVEL v4 | Not verifiable | — | — | — | — |
| 180 daysR-MACRO-LEVEL v4 | Not verifiable | — | — | — | — |
| 1 yearR-MACRO-LEVEL v4 | Not verifiable | — | — | — | — |
| 3 yearsR-MACRO-LEVEL v4 | Not verifiable | — | — | — | — |
| 5 yearsR-MACRO-LEVEL v4 | Not verifiable | — | — | — | — |
Not verifiable: subject not covered. Reviewed: the call is about a bond, Treasury, mortgage or savings rate that this rule does not measure.
Not verifiable: subject not covered. Reviewed: the call is about a bond, Treasury, mortgage or savings rate that this rule does not measure.
Not verifiable: subject not covered. Reviewed: the call is about a bond, Treasury, mortgage or savings rate that this rule does not measure.
Not verifiable: subject not covered. Reviewed: the call is about a bond, Treasury, mortgage or savings rate that this rule does not measure.
Not verifiable: subject not covered. Reviewed: the call is about a bond, Treasury, mortgage or savings rate that this rule does not measure.
Not verifiable: subject not covered. Reviewed: the call is about a bond, Treasury, mortgage or savings rate that this rule does not measure.
that correctly. Getting a 50-year mortgage will make almost no difference whatsoever, except you're going to be taking on way more debt for your entire life. And if you don't believe me, here's some of the math. First of all, it's important to mention that overall the longer of a loan term you get, the higher the interest rate is going to be because lenders want to be compensated for tying up capital for longer. Like right now, it's 6.125% if you want to get a 30-year fixed rate mortgage, but it's only 5.375% if you want to get a 15-year. So, I promise with a 50-year mortgage, you'll wind up paying closer to 7% because there's significantly more risk. This means if you get a $500,000 loan at 6% fixed for 30 years, your monthly payment is going to be $3,000 a month. But if you think you're about to save a ton of money, stretching out your payment to 50 years. Well, guess what? At a 7% interest rate for 50 years, your monthly payment is going to drop to, wait a second, $3,8 a month. Wait, it actually gets more expensive? Yes. In fact, even if the interest rate is the exact same on a 50-year mortgage as it is on a 30-year mortgage, which is mathematically impossible, by the way, but just for
What a person said is shown in their own words and is never translated. The link goes to the exact second in the video.
Graham StephanMortgage rateswill rise
“your payments are probably going higher.”
Aug 10, 2026 · after 30 days
Graham Stephana call under review
“starting now, mortgage rates have already begun going higher.”
Aug 10, 2026
Graham Stephana call with no clear direction
“But, don't expect this to happen, because as we've all seen, rates have stayed significantly higher for much longer than people have expected.”
Jul 22, 2026
Graham Stephana call under review
“I don't think any of these are going to have a lasting effect whatsoever.”
Mar 18, 2026
Graham StephanMortgage rateswill fall
“In the near term, a flight to safety of the dollar could actually push Treasury yields down and actually reduce mortgage rates.”
Mar 2, 2026 · after 180 days
Graham Stephana call under review
“mortgage rates coming down, which should boost the short-term value of my properties even further,”
Jan 13, 2026