How will Washington’s housing “fix” entrench debt, inflate prices, and undermine the American Dream?
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Report: The Case Against 50-Year Mortgages
Category: Updates
Subsidized debt drives up prices, sucks up wealth, and makes it hard for millennials to buy homes.
As the December 7 Medicare Open Enrollment deadline approaches, rural seniors face shrinking coverage options as major insurers scale back Medicare Advantage plans nationwide.
The Mortgage Bankers Association’s slow, self-serving defense of the 30-year mortgage proves that lifetime debt, not homeownership, is the product they’re really selling.
Congress must update the Bank Secrecy Act for the 21st century…
A so-called “consumer protection” agency became a case study in regulatory excess and misplaced praise.
Originally published at abqjournal.com on October 18, 2025. Jeff Tucker is right about one thing: New Mexico needs to think big. His recent call for a billion-dollar NBA arena in Albuquerque is exactly the kind of visionary thinking our state has lacked for decades. But where Tucker sees an opportunity for government to build a […]
This guest commentary was written by Ed Harris, CEO of Harris Northwest Advisors and a Visiting Contributor at the Southwest Public Policy Institute. In his argument about APR, Patrick Brenner is wrong but inadvertently correct on a larger point he doesn’t address. An APR calculation is mathematically accurate. Most fixed-rate 30-year mortgages are priced similarly, […]
In his letter responding to my column in The Wall Street Journal, “The Case Against 30-Year Mortgages,” former Freddie Mac executive David Andrukonis defends the 30-year fixed-rate mortgage as a transparent, borrower-friendly product. In “A Confused Case Against 30-Year Mortgages,” he argues that such loans are fully prepayable, giving homeowners flexibility to refinance or pay […]
When you publish in The Wall Street Journal, you have to expect a few readers to come out swinging. Some disagree on principle; others on tone. And then there are those who lecture you like you just flunked Econ 101. Read the full series here. Meet Jay Wright, Adjunct Professor of Finance at Georgetown University. […]