BEing in real estate i woiuld expect you to know more about our nations history of mortgages. Early on they were 15 years eventually they got to 25 and 30 with FHA and VA entering the market. 50 will be no big deal. Hardly anyone will hold them that long. It will allow younger buyers to get started just as FHA did, and those early FHA VA loans were mostly interest but did allow for the owner to gain via appreciation.