RECkoning with Real Estate – Ep. 14: Mortgage Trends for 2026 and Smart Tips to Stay Ahead
Extra! Extra! There’s no shortage of buzz about some unusual mortgage ideas making
the rounds. So, what exactly are these so-called “portable mortgages,” and what would
a 50-year mortgage term really mean for your wallet?
Matt Berna, REC’s trusted mortgage consultant and sponsor, is back on RECkoning
with Real Estate to explain these in detail and tackle a full lineup of topics. We dig into
refinancing, escrow accounts, what buying in 2026 could look like, strategies for paying
off your mortgage faster, and real number breakdowns across different mortgage terms.
Learn more at https://www.therecollab.com/.
Here’s a look at the numbers we covered comparing a 30-year to a 50-year mortgage.
Here, we review what you pay and how much equity you build over time. Get ready…
the numbers might surprise you!
30-Year Loan
Home cost – $350,000
Interest rate – 6.5%
Monthly payment – $2,212
Total interest (alone) paid on life of loan – ~$446,000
Equity built in first 5 years – $23,000
50-Year Loan
Home cost – $350,000
Interest rate – 6.75%
Monthly payment – $1,973
Total interest (alone) paid on life of loan – ~$873,000
Equity built in first 5 years – $5,000
Extras:
Find Matt Berna:
https://trustonefinancial.org/mortgages/meet-our-team/matt-berna
If you are considering purchasing a home, start with Truestone’s Home Affordability
Calculator, where you check what mortgage amount your income can afford:
https://trustonefinancial.org/calculators/mortgage-affordability-calculator
Get in touch with any of us at REC, here:
https://www.therecollab.com/connect
View current mortgage rates here:
https://trustonefinancial.org/rates/rates-homeloans
Get to know the Truestone Financial team to find the best match for you:
https://trustonefinancial.org/mortgages/meet-our-team
Still have questions? Feel free to talk to any of Truestone Financial’s Loan experts by
contacting them:
https://trustonefinancial.org/free-mortgage-consultation
Thank you to our Sponsors!
Taylor Hall @ Evergreen Collective:
https://ecoevergreen.co/
Matt Berna @ TruStone Home Mortgage:
The Real Estate CollaborativeYouTube
https://trustonefinancial.org/mortgages/meet-our-team/matt-berna
Ben Feldman @ Active Insurance Solutions:
https://www.aisolutionsmn.com/staff-directory/BenFeldman
REC’s website:
https://www.therecollab.com/
Find REC on YouTube:
https://www.youtube.com/@TheRealEstateCollaborative/streams
#Reckoningwithrealestate
#MortgageTips #HomeBuying #MortgageTrends #RealEstate #Refinancing #HomeLoans
#MortgageAdvice #FinancialPlanning #HomeEquity #RECkoning
Podcast: Play in new window | Download
Subscribe: RSS