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PaperclipPerfector  1mo ago (text post)   2580 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?

A lot of people discover they have no hope of ever buying a home, and probably elect some asshole that promises them to fix it quick and easy, usually by taking other people's money who don't deserve it anyway, and it'll get only worse from there.

A series of 5 year mortgages with 30, 25,20,15, 10, and 5 year amortization terms only differ from a 30 year mortgage if interest rates change dramatically or your credit changes (because you underwrite the series 6 times rather than once).

So while my sympathies are with Quantum's effects practically for many homeowners it could end up being very little change except more worrying that rates will change next time.

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