When the Trump administration floated the idea of a 50-year mortgage, credit solutions expert Micah Smith didn’t mince words. "I was mortified," she told Fox News Digital. On paper, stretching a home loan over half a century promises lower monthly payments. In reality, Smith warns, it could trap millions of Americans — especially retirees and first-time buyers — in what she calls a "risky" deal that’s "one market shift away from being completely and totally underwater." "My fear is that the 50-year mort ...