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PaperclipPerfector  1d ago (text post)   606 thread views

Small-Scale Question Sunday for November 23, 2025

Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?

This is your opportunity to ask questions. No question too simple or too silly.

Culture war topics are accepted, and proposals for a better intro post are appreciated.

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Here is one for you - what will happen if the Federal Government straight out forbids mortgages longer than 15 years? This question was raised in my head after the consensus about how terrible the Trump idea about 50 year mortgage is. So what happens if we go in the other direction?

Single-family homes would get a lot smaller. Hard to tell what the effects on the financial system would be though.

The 30-year-mortgage is a tool for hiding the extent of government subsidization of the housing market. For all we know, it might be the only thing propping-up the economy. The buisiness model of Fannie Mae and Freddie Mac is offering "too-big-to-fail" government credit backstops to mortgage originators as a service.

"The only reason that they all get to continue living like kings is because we got our fingers on the scale in their favor. I take my hand off, well then the whole world gets really fucking fair really fucking quickly and nobody actually wants that. They say they do, but they don't.

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