President Trump’s push for a 50 year mortgage
President Trump announced his push for normalizing 50-year mortgages featuring a side-by-side comparison with FDR's introduction of the 30-year mortgage, aiming to boost housing affordability for young buyers by significantly lowering monthly payments. FHFA (Federal Housing Finance Agency) Director Bill Pulte quickly confirmed on X that they are "working on The 50 year Mortgage – a complete game changer," though it would require repealing parts of the Dodd-Frank Act limiting qualified mortgages to 30 years or less. This proposal could stimulate the residential real estate market in the short term by increasing demand and enabling more first-time buyers to enter amid high prices and rates, potentially reducing competition in a shutdown-constrained environment and accelerating sales for conventional-financed properties.
A 50-year mortgages could slash monthly payments by 20-30% vs. 30-year loans, unlocking affordability for millennials, first-timers, and high-price markets driving demand and sales volume.
Quick Action Steps This Week for Agents:
- Blast Client Alerts: Email/text your database: "BIG NEWS: 50-Year Mortgages Coming! Pay $300-500 less/month on a $500K home. Reply for a free qualification check—beat the rush!"
- Social Media Blitz: Post graphics comparing 30-yr vs. 50-yr payments (use Canva). Caption: "Trump's 50-Year Mortgage = Game-Changer for Buyers! DM me to see how much you'd save. #50YearMortgage #HousingBoom"
- Partner with Lenders: Call 5-10 local lenders TODAY! Ask for pre-approval scripts or co-host a "50-Year Mortgage Q&A" Zoom webinar next week. Tag-team marketing = instant leads.
- Target Renters & Young Buyers: Run Facebook/Instagram ads to 25-40yo renters in your farm area: "Tired of Renting? New 50-Yr Loans Make Owning Cheaper Than Rent. Free Payment Comparison!"
- Host Open Houses with a Twist: This weekend, theme events "Buy Now with Future 50-Yr Savings!" Hand out flyers showing local home prices with projected 50-yr payments.
Act fast, position yourself as THE expert on this "complete game changer" before competitors do. First movers will capture the surge!
How the 2025 Government Shutdown Is Disrupting Residential Real Estate and Impacting Agents
The ongoing U.S. government shutdown, which began on October 1st, 2025, and has now extended beyond 30 days, is significantly disrupting the residential real estate market by halting key federal housing programs and creating uncertainty for buyers, sellers, and agents. Essential services like FHA, VA, and USDA loan processing, accounting for about a quarter of all mortgage applications have slowed or stalled, leading to delayed closings, postponed approvals, and even canceled deals. This is particularly challenging in a market already sensitive to interest rates, as the absence of timely economic data releases (such as housing starts or employment figures) clouds market forecasts and erodes buyer confidence. Real estate agents are reporting increased limbo for clients, with federal employees and military personnel facing additional hurdles in securing financing or relocating, further dampening transaction volumes.
For real estate agents, the shutdown exacerbates operational challenges, including limited access to IRS tax transcripts needed for loan verifications and disruptions in flood insurance programs under FEMA, which can prevent sales in affected areas from proceeding. While private-sector transactions continue uninterrupted, the ripple effects—such as sidelined buyers waiting for government-backed loans or sellers hesitant amid economic ambiguity—are forcing agents to adapt by extending contingencies, advising on alternative financing, or even pausing listings. Industry groups like the National Association of Realtors have highlighted these issues, urging swift resolution to mitigate long-term damage to housing affordability and market stability
Recommended Tasks for Realtors During the Government Shutdown
To continue selling properties amid the 2025 government shutdown, realtors can shift focus to unaffected segments of the market and emphasize proactive strategies. Target buyers using conventional loans or cash, which aren't reliant on federal programs like FHA, VA, or USDA.
- Promote these options through targeted ads or outreach to high-net-worth clients.
- Enhance digital marketing by creating virtual tours, high-quality photos, and video walkthroughs to keep listings active online, reducing the need for in-person showings that might be delayed.
- Network with private lenders to identify workarounds for verifications, such as alternative credit checks, and educate sellers on flexible timelines, like extending contingencies or staging homes for a post-shutdown surge.
- Use this downtime to build client relationships through webinars on market trends or personalized check-ins, and prepare backlog paperwork to expedite closings once services resume.
All these steps can help maintain momentum and position you as an agent for a quick rebound.
Client Messaging Strategies
When communicating with clients, realtors should aim to reassure them by acknowledging the shutdown's challenges (e.g., loan delays and insurance issues) while highlighting positives like reduced competition for prepared buyers. Emphasize your expertise in navigating disruptions, offer alternatives (e.g., conventional financing), and encourage flexibility. Keep messages concise, empathetic, and action-oriented to build trust. Send our messaging via email or text for personal touch, and adapt for social media by adding hashtags like #RealEstateTips or #GovernmentShutdownUpdate to broaden your reach.
Three Sample Messages for Clients:
- Reassurance and Alternatives Message (for email/text or social media post):
"Hi [Client Name],
With the ongoing government shutdown causing delays in federal loans like FHA and VA, I wanted to check in and assure you we're still moving forward.
For buyers, this means less competition. Let's explore conventional financing options that aren't affected.
Sellers, we can adjust timelines to keep your listing strong.
I'm here to guide you;
reply or call to discuss next steps!
Sincerely,
Your Name
- Education and Flexibility Message (for email/text or social media post):
"Dear [Client Name],
The 2025 shutdown is impacting IRS verifications and insurance, potentially slowing some closings. But don't worry, many deals with private loans are proceeding smoothly.
As your agent, I'll negotiate extensions if needed and connect you with lenders who have workarounds.
Let's chat about how this affects your plans and keep things on track.
Reach out anytime!
Sincerely,
Your Name
- Positive Outlook and Call to Action Message (for email/text or social media post):
"Hello [Client Name],
Amid the government shutdown, motivated sellers and prepared buyers are finding opportunities with fewer crowds in the market.
If you're buying, now's a great time to lock in conventional rates; for sellers, virtual tours can attract serious interest.
I've got strategies to minimize delays.
Let's schedule a quick call to tailor a plan for you.
Excited to help!
Regards,
Your Name
I cannot emphasize enough how important it is for you to be continually communicating with “all” your clients. If they don’t hear from you, they will hear from another agent…
Three Ideas for Real Estate Agents to Attract New Clients This Coming Week:
1. Host a Timely Webinar on Shutdown Navigation (strategies and guidance to successfully navigate or "get through" buying, selling, or closing real estate transactions during the 2025): Organize a free virtual webinar mid-week (e.g., Wednesday) via Zoom or Facebook Live, titled "Buying or Selling During the 2025 Government Shutdown: What You Need to Know." Cover alternatives like conventional loans and market opportunities with less competition. Promote it on social media and your email list to draw in potential clients, then follow up with attendees for consultations. This positions you as an expert and captures leads quickly.
2. Launch a Social Media Giveaway for Local Engagement: Run a quick contest on platforms like Instagram or Facebook, such as "Enter to Win a $50 Gift Card to a Local Coffee Shop by Sharing Your Dream Home Feature." Tie it to Thanksgiving themes, like "Home Prep Tips for Holiday Hosting," and require entrants to follow your page or tag friends. Announce the winner by week's end to boost visibility, engagement, and inquiries from new followers interested in your services.
3. Send Personalized Email Newsletters with Hyper-Local Updates: Craft and send a short newsletter to your database and prospects early in the week, highlighting shutdown-resilient listings, neighborhood spotlights (e.g., fall events in specific areas), and quick tips like virtual tours. Include a call-to-action for free market analyses. Use tools like Mailchimp (your CRM should have a built-in program to mass emails) for segmentation to target buyers or sellers, encouraging replies and referrals for immediate lead generation.
Wealth-Building Stock Pick: Apple Inc. (AAPL)
Apple Inc. (AAPL) is a solid, non-biased recommendation for an investment portfolio due to its established position as a technology leader with diversified revenue streams.
Apple stands out as a strong investment pick because of its consistent outperformance, with a 1-year return of 18.57% exceeding the S&P 500's 12.65%, and a 3-year return of 95.98% versus the index's 76.76%. The company's fundamentals are robust, including a trailing P/E ratio of 35.99, earnings per share of 7.46, annual revenue of $416.16 billion, and net income of $112.01 billion. High profitability metrics, such as a 26.92% profit margin and 171.42% return on equity, underscore its efficiency and market dominance in consumer electronics, services, and emerging areas like AI integration. Analysts' average price target of $280.46, above the current price suggests upside potential, making it a resilient choice for long-term growth in a diversified portfolio, especially amid economic uncertainties.
Friday's Closing Price (November 7, 2025): $268.47 USD
52-Week High: $277.32 USD
52-Week Low: $169.21 USD
Always consult a financial advisor before investing.
Keep learning, keep leading. See you next week!
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Stay Wealthy Healthy and Proactive,
Agi Vermes Smith
Founder of Real Estate Mentor Hub
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