A New Reality: Families Growing, Homes Not Keeping Up   For millions of families, the home that was once full of possibility now feels full of… everything else. Toys stacked in hallways. Bedrooms shared by kids who need their own space. A dining table doubling as a home office, homework station, and storage unit.  The problem isn’t a lack of desire to move, it’s mortgage lock-in .  Across the country, families who have outgrown their homes are finding themselves stuck in their starter house ,...

By Jonathan Arad, CEO of Takara – November 11, 2025     Let’s Cut Through the Noise   Headlines about “50-year mortgages”  are lighting up the housing conversation — and, predictably, drawing panic. But let’s be clear: a 50-year mortgage isn’t a gimmick or a trap. It’s a smart, overdue addition  to an American mortgage market that’s long been stuck in the past.  This isn’t about replacing the 30-year fixed. It’s about adding tools to a toolbox that has been missing too many for too long.  As...

Mortgage Bankers see slower growth through 2027, as reported by Credit Union Times. Understanding the historical payoff rate, today's...