President Donald Trump recently floated a 50-year mortgage term as the pathway to creating more homeowners in the United States, but critics worry his focus is misdirected.

By growing the demand for housing, the 50-year mortgage would organically decrease the supply, leading to higher housing prices — the opposite of what the administration is seeking to do in terms of increasing affordability for consumers, according to Dr. Gary Wolfram, director of economics at Hillsdale College.