Here are the 15, 30, and 50 year amortization tables for a $500k 6.5% loan. If you take the 50 year loan at age 30, by the time you turn 50, you will still owe $447,235 after paying 632,749 in usury. This is literal indentured servitude. Oh, & they own the house until you're done

50 year loan is not intended to be paid off. It’s for 65 year old retired boomers with no concern for leaving equity to their children.