@Acyn A 50-year mortgage sounds affordable until the math.
On a $400K loan at 7%:
• 30-yr = $2,661/mo, $558K interest
• 50-yr = $2,423/mo, $1.05 M interest
You save $238/mo but pay ~$495K more overall.
And don’t get me started on equity differences if you wanted to sell early.