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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?

You need a higher credit score and a bigger down payment to qualify for one.

Which will lead to prices falling and stabilizing in another point.

"Prices falling" means massive amount of underwater mortgages - we all saw how much fun that is - and also massive budget problems in every place that relies on property tax income.

also massive budget problems in every place that relies on property tax income.

This part is 100% not true -- if your home price goes down so will your property taxes, but if everyone's home price goes down, the taxes will stay the same. Your town has a budget -- it determines the tax bill per dollar value, not the other way around.

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