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By Jonathan Arad, CEO of Takara – November 11, 2025     Let’s Cut Through the Noise   Headlines about “50-year mortgages”  are lighting up the housing conversation — and, predictably, drawing panic. But let’s be clear: a 50-year mortgage isn’t a gimmick or a trap. It’s a smart, overdue addition  to an American mortgage market that’s long been stuck in the past.  This isn’t about replacing the 30-year fixed. It’s about adding tools to a toolbox that has been missing too many f

The U.S. mortgage market is facing an unprecedented challenge: trillions of dollars are locked into ultra-low-rate mortgages.  While this...

In today’s housing market, one challenge stands out as both a structural problem and a massive opportunity: the mortgage lock-in effect....

“Why would I ever give up my 3% mortgage?!” That’s the question echoing across kitchen tables and bank offices nationwide. But while...

The $4.5 trillion mortgage lock-in crisis is no longer just an abstract number. It's a daily reality for lenders, borrowers, and credit...

Every company has its origin story. Ours didn’t start with a launch or a pitch deck - it began with a simple, honest question: “What else...

Mortgage Bankers see slower growth through 2027, as reported by Credit Union Times. Understanding the historical payoff rate, today's...

How countries around the world are fixing what’s broken—and why the U.S. should too. 🏠 The Global Lock-In Problem Around the world,...

On this edition of Business Talk with Jim Campbell, Host James Campbell welcomes Jonathan Arad CEO of Takara Capital. With 65% of...

Credit to The Truth About Mortgage   – few explain the housing market better. Their recent piece, 7% Mortgage Rates Are Back Again...

The U.S. housing market is stuck. Millions of homeowners are locked into ultra-low mortgage rates and have little financial incentive to...

“We need more space… but if we move, we lose our low-interest mortgage. Can we make the numbers work?” Life changes—fast. A new child, a...