Interpreted Prediction
Significant legal and regulatory changes, including Congressional involvement and rule revisions by FHFA, are necessary for 50-year mortgages to become viable, as Fannie Mae and Freddie Mac currently do not purchase loans longer than 30 years.
AI Evaluation Notes
As of January 9, 2026, Fannie Mae and Freddie Mac still do not purchase loans longer than 30 years, and there have been no significant legal or regulatory changes enabling 50-year mortgages. This aligns with the original prediction that major changes, including Congressional involvement and FHFA rule revisions, would be necessary for such mortgages to become viable.