Join us here in Ogden this June for our annual New Christenum Press conference.

This year's theme, The War for Normal, features a great lineup of speakers, as well as a whole bunch of fun events to make new friends with like-minded saints.

Tickets are more affordable than ever this year, with a brand new family pass covering your entire household for one low price.

Head to newchristinempress.com slash 2026 for tickets and more information.

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caffeinating the new Christendom with Artisan Roast Coffee.

Music In November of 2025, President Donald Trump announced plans to introduce a new 50-year mortgage for homes.

Federal Housing Agency Director Bill Pulte called to move a game changer,

as it was meant to reduce the burden of homeownership for many Americans who have faced

30-year fixed rates stuck above 6% for more than three years. Currently, according to Redfin

data, the median U.S. household spends about 40% of its monthly income on mortgage repayments,

well above the long-term affordability benchmarks.

Pulte, for his part, blamed Federal Reserve Chairman Jerome Powell, who hiked interest rates

to curb inflation, but has since resumed easing cautiously, saying on X that he is keeping

rates artificially high. Many young Americans are feeling the pressure as home ownership slips

further and further out of reach. At its core, the proposed 50-year loan product targets lower

monthly payments by extending the standard amortization period. For instance, Fannie Mae's calculator

estimates that for a $400,000 home at 6.575% interest rate with 20% down,

the monthly principal in interest would be $2,78 on a 30-year fixed, $2,640 for 40 years, and $2,572 for 50 years. But there are significant downsides for a minimal

lowering of the monthly rate. Total interest paid goes up drastically, slows the accrual of equity,

and potentially traps borrowers in debt for most or all of their lives.

The move would also likely raise home prices, creating a windfall for sellers and incumbent

...