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 for too long.  As...

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....