With home prices high and affordability low, President Trump suggests 50-year mortgages to help Americans buy homes. Mortgage experts like Phil Crescenzo Jr. see potential benefits, such as lower payments and more buyers entering the market. However, there are concerns about paying more in interest over the longer term.

Crescenzo believes extended loan terms could open doors for buyers currently priced out of the market. While many in the industry have negative opinions, he sees the benefits of increased affordability. Homeowners likely won’t keep the loan for the full 50 years, opting to refinance or sell before then.

The biggest hurdle for some buyers is qualifying for a mortgage at all. A longer term could change that, allowing those previously disqualified to qualify with an extended term. If more Americans can buy homes, Crescenzo believes it could bring stability to the real estate market.

While in favor of the option for a 50-year mortgage, Crescenzo notes potential drawbacks. Adding more years to a mortgage term could lead to paying little into principal, raising concerns about property valuation and maintenance. Homebuyers must understand the risks of paying more in interest versus equity over a longer term.

Read more at Yahoo Finance: Why One Expert Thinks They’ll Help Homebuyers