The 50 Year Mortgage: Even Seinfeld's Elaine Can't Dance Around This One

from Baird Fixed Income Insights: Convexity Pulse · host Kirill Krylov

This week's Convexity Pulse finds Kirill Krylov and Steven Scheerer tackling three big mortgage market shifts: the rising talk of a 50-year mortgage, potential upcoming LLPA changes, and the debut of VantageScore 4.0 in agency MBS. They explore how credit scoring reforms and aging borrower demographics could reshape cash-out refi behavior, prepayment models, and MBS convexity. The conversation also highlights why extending loan terms might mask affordability problems rather than solve them.

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This episode is 24 minutes long.

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This episode was published on November 17, 2025.

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