The real estate world is buzzing with conversations about the possibility of 50-year mortgages making their way into the U.S. market. While this extended mortgage term is common in some international markets, it would be a major shift for American homebuyers—and it has sparked a lot of questions from both consumers and real estate professionals.
At Tressler Title, our job is to stay ahead of industry changes, help you navigate new lending trends, and protect your property through every step of the closing process. Here’s what you need to know about the proposed 50-year mortgage and how it could impact Tennessee’s real estate market.
What Is a 50-Year Mortgage?
A 50-year mortgage is exactly what it sounds like—a home loan with a repayment term stretched over five decades instead of the traditional 15 or 30 years.
While this might sound extreme, the concept has been gaining attention as housing affordability continues to challenge buyers across the country. Rising prices, high demand, and historically low inventory—especially in Middle Tennessee—are prompting discussions around creative financing solutions.
Why Are People Talking About 50-Year Mortgages Now?
The push for longer mortgage terms is tied to one major issue:
Affordability.
Stretching payments over 50 years could significantly lower a buyer’s monthly mortgage cost, making homeownership more attainable—especially for first-time buyers or buyers in high-demand markets like Nashville and its surrounding areas.
Some policymakers and housing advocates believe longer terms could help:
Reduce monthly payments
Offset higher interest rates
Open the door to more buyers
Support new construction markets
Encourage homeownership in rapidly growing regions
However, affordability isn’t the only factor to consider.
Potential Drawbacks of a 50-Year Mortgage
While lower monthly payments sound appealing, there are drawbacks every buyer should be aware of:
1. You Pay More Over Time
Extending the loan term means more interest accumulates—potentially much more.
2. Slower Equity Growth
With smaller payments, buyers build equity at a slower pace, which could affect future refinancing or selling strategies.
3. Risk of Being “House Poor” Long-Term
Lower monthly payments can give a false sense of affordability when the long-term financial commitment remains significant.
4. Could Influence Market Prices
If 50-year mortgages increase buyer demand, it may push home prices higher—especially in markets already struggling with low inventory.
How Would a 50-Year Mortgage Affect Middle Tennessee?
Middle Tennessee is one of the fastest-growing regions in the country, and affordability challenges are becoming more common. A 50-year mortgage could:
Help more buyers qualify for homes in high-growth areas like Nashville, Murfreesboro, Franklin, and Lebanon
Stabilize the market for first-time buyers
Provide alternative financing options for multi-generational households
Potentially lead to even stronger demand for new construction
However, it’s also possible that extended loan terms could push home prices upward if demand increases faster than inventory.
Because of the market’s unique mix of growth, migration, and affordability concerns, Middle Tennessee would likely become one of the first regions where a 50-year mortgage makes a noticeable impact.
So… Is a 50-Year Mortgage a Good Idea?
It depends on the buyer.
A 50-year mortgage may be helpful for:
First-time buyers struggling with high monthly costs
Buyers planning to refinance when rates drop
Long-term homeowners who expect to stay in their property for decades
Individuals in high-cost markets who need payment relief
But it might not be ideal for:
Buyers wanting to build equity quickly
Families planning to move within 5–7 years (Most of them move within 6-10 years)
Those who want to minimize long-term interest costs
Investors needing strong appreciation and equity growth
Every financial situation is different—which is why education and proper guidance are essential.
What Buyers Should Do Right Now
Even if the 50-year mortgage becomes available, it’s just one tool—not the only option. Buyers should:
Compare multiple loan types
Run long-term vs. short-term interest projections
Calculate equity timelines
Consult with trusted real estate professionals
Work with a title company focused on consumer protection and transparency
Tressler Title: Protecting Your Home, Your Money, and Your Future
No matter what lending products become available in the coming years, one thing stays the same:
Your title company must be a trusted partner throughout the entire process.
At Tressler Title, we stay up to date on changing laws, evolving mortgage programs, and emerging fraud risks so we can protect:
Your money
Your property
Your closing experience
Your long-term investment
Whether interest rates shift, new loan types appear, or buyers look for creative financing solutions, we’re here to guide and support you with clarity and confidence.
At Tressler, we believe that honoring veterans is more than just a once-a-year gesture—it’s a commitment we carry throughout the year in every way we serve. This Veterans Day, we want to take a moment to express our gratitude and share the ways we’re proud to support veterans and active duty military members across all three of our companies: Tressler & Associates, Tressler Title, and Tressler Real Estate.
$0 Closing Fee for Veterans and Active Duty Refinances
Through Tressler Title, we’re currently running a special refinancing campaign to thank those who have served. For the entire month of November, veterans and active duty service members receive $0 closing fees on all refinance transactions. It’s our way of saying thank you—and helping you build long-term financial stability through homeownership.
Expertise in VA Loans
Whether you’re buying your first home or refinancing your current one, our team has extensive experience working with VA loans. From navigating the loan process to understanding the unique benefits of VA financing, we’re here to make the path to homeownership smooth, stress-free, and fully informed.
Estate Planning Tailored for Veterans
Veterans and their families often have unique estate planning needs, especially when it comes to benefits, pensions, and long-term care. At Tressler & Associates, we offer customized estate planning services that honor your service and protect your legacy. We help you prepare for the future with confidence—whether that means creating a will, setting up a trust, or planning for your loved ones’ well-being.
Veteran-Led. Veteran-Inspired.
With strong ties to the veteran community and a deep respect for the values of service, commitment, and integrity, Tressler is proud to stand behind those who have stood for us. We don’t just say thank you—we work hard to show it in everything we do.
If you or a veteran you love needs help with legal services, real estate support, or title expertise—reach out today. We’re ready to serve those who have served.
As the year winds down and the holiday season begins, many families are making plans, traveling, and enjoying time with loved ones. But there’s another important task that deserves a place on your end-of-year checklist: creating or updating your estate plan.
Estate planning isn’t just for the wealthy or elderly — it’s for everyone who wants to make life a little easier for their loved ones. At Tressler & Associates, we believe that planning ahead is one of the most powerful ways to protect what matters most.
Why You Need a Will or Trust
Having a will or trust in place gives you control over what happens to your assets and your loved ones in the event of your passing. It also saves your family from unnecessary legal stress during an already emotional time.
Here’s what a comprehensive estate plan can help you do:
Designate guardians for your children
Control how and when your assets are distributed
Avoid costly probate processes
Make charitable gifts in line with your values
Protect your family’s future from confusion and conflict
Why Now Is the Time
Between holiday gatherings and year-end deadlines, it’s easy to put estate planning on the back burner. But doing it now ensures that:
You enter the new year with peace of mind.
Your wishes are legally documented and protected.
You avoid the rush or delays of trying to do it last-minute in December.
Plus, as your life changes — whether you’ve welcomed a child, bought a home, or launched a business — your estate plan should change too.
How Tressler Can Help
At Tressler & Associates, we make estate planning approachable and stress-free. Our team walks you through the entire process — from wills and trusts to power of attorney and healthcare directives — so you can feel confident your family is covered.
Let us help you secure your peace of mind before the ball drops on a new year.
🔗 Ready to get started? Contact us today to schedule your estate planning consultation.
LEBANON, TN – October 2025 — Tressler Title is excited to announce a limited-time Refinance Special designed to help homeowners lock in better rates, lower their monthly payments, and take advantage of today’s market opportunities.
With interest rates continuing to shift and many homeowners considering their refinancing options, Tressler Title is proud to offer a streamlined, client-first approach backed by experienced professionals and unmatched attention to detail.
“This special offer reflects our commitment to helping homeowners find real solutions and real savings,” said Todd Tressler, Founder and CEO. “Many homeowners are concerned about the cost of closing their refinance and often miss out on the monthly savings. We hope to alleviate this stress with this special we are offering. Whether you’re looking to reduce your rate, consolidate debt, or tap into equity, our team is here to make the process smooth and secure from start to finish.”
The refinance special includes:
Discounted title fees(50% off closing fee & $0 closing fee for veterans and active duty)
Fast turnaround times
Dedicated support from start to close
This offer is available for a limited time only. Homeowners and lending partners are encouraged to act fast and reach out to Tressler Title to learn more.
Why Refinance Now?
Refinancing offers an opportunity to:
Lower your interest rate
Shorten or extend your loan term
Switch from an adjustable-rate mortgage (ARM) to a fixed rate
Free up cash for renovations, college, or investments
Ready to refinance with confidence? Contact Tressler Title today or visit www.tresslerassociates.com to learn more and take advantage of this limited-time offer.
What Is REALTOR® Safety Month?
Each September, the National Association of REALTORS® dedicates the month to REALTOR® Safety Awareness—a time to spotlight the risks real estate professionals face and the simple practices that can help prevent them.
At Tressler & Associates, we’re committed to supporting real estate professionals not only with smooth closings—but with peace of mind in every part of the job.
Why REALTOR® Safety Matters
Unlike many professions, real estate agents often:
Meet strangers in vacant homes.
Host open houses alone.
Work long hours that stretch into the evening.
Walk into unfamiliar neighborhoods without backup.
While most client interactions are positive, it’s vital to stay alert and protected. Safety isn’t about fear—it’s about being prepared and valuing your well-being as much as your clients’.
7 REALTOR® Safety Tips to Practice All Year
Here are some practical steps you can take to reduce risk on the job:
1. Always Meet New Clients in Public First
Schedule your first meeting in a public place—preferably your office or a well-trafficked coffee shop. Gather basic information and trust your instincts.
2. Use a Buddy System for Showings
If you’re showing a property to a new client or working late, consider bringing a team member or letting someone know where you’ll be and when you’ll check in.
3. Share Your Location in Real Time
Use smartphone apps like Life360 or Find My to let a family member or coworker track your location during showings.
4. Don’t Park Where You Can Get Blocked In
When arriving at a property, park on the street rather than the driveway so you can exit quickly if needed.
5. Keep Personal Info Private
Avoid sharing personal details such as your home address, daily routine, or family information with clients you don’t know well.
6. Trust Your Gut
If something feels “off,” it probably is. Cancel the appointment, call a colleague, or take a break to reassess.
7. Know the Property Before You Show It
Familiarize yourself with exits, rooms with locks, and cell signal strength so you’re never caught off guard.
Tressler’s Commitment to Real Estate Safety
At Tressler, our real estate, title, and legal teams work closely with agents throughout Middle Tennessee. Whether it’s handling legal documentation, facilitating closings, or offering support through Tressler Real Estate—we believe your safety and confidence are non-negotiable.
We’re more than partners at the closing table—we’re part of your community, and we care deeply about keeping it secure.
Final Word
REALTOR® Safety Month is a powerful reminder to protect the most valuable part of your business: you.
Let’s keep each other safe, informed, and supported—not just in September, but every month of the year.
Need help reviewing contracts, titles, or legal risks in your real estate process? Reach out to the team at Tressler & Associates. We’re here to secure your peace of mind—every step of the way.
LEBANON, TN – September 1, 2025 — Tressler & Associates is proud to officially announce that Turner Evans has been named Partner of the firm.
Turner first joined Tressler & Associates in 2019 as a full-time legal assistant. While working full-time, he attended the Nashville School of Law at night, graduating summa cum laude in 2022 with his Juris Doctor degree. Since then, Turner has become an essential part of the team, practicing law with a primary focus on estate planning and probate.
His dedication, work ethic, and heart for service have made a lasting impact on clients and colleagues alike. This next chapter as Partner is a well-deserved milestone that reflects Turner’s commitment to excellence and his embodiment of the firm’s values.
“Turner has been a part of our family from the start,” said Todd Tressler, Founder and Managing Attorney. “His leadership, integrity, and care for people shine through in everything he does. We’re excited to welcome him into this new role and confident in the future we’re building together.”
Turner’s promotion marks an exciting step forward in Tressler & Associates’ ongoing mission to provide trusted, relationship-centered legal services across Middle Tennessee and Kentucky.
To learn more about Turner or to schedule a consultation, visit www.tresslerassociates.com. Follow us on Instagram @tresslerlaw.
August may feel like the tail end of summer, but in real estate, it’s prime time for smart buyers and sellers to make their move. While spring tends to get all the attention, late summer offers its own set of unique advantages—and the window of opportunity is still wide open.
Why It’s a Great Time to Sell
Serious buyers are still active. While casual lookers may have faded with the school bell, August buyers are often more motivated to close before fall routines kick in.
Less competition. The spring and early summer frenzy has slowed, so your listing may stand out more in a less crowded market.
Pre-holiday urgency. Many buyers want to be settled before the holidays or before winter weather makes moving trickier.
Why It’s a Great Time to Buy
More negotiating power. With fewer buyers in play, sellers may be more willing to negotiate on price or closing costs.
Interest rate strategy. Buying now could help you get ahead of potential rate changes in the fall.
Quicker closings. With title companies and lenders a little less swamped than in peak summer, your transaction may move faster.
How to Make It a Smooth Process
Late summer deals move fast—so you need a team you can trust. At Tressler, we help make sure your contracts are airtight, your title is clear, and your closing is seamless. Whether you’re a first-time buyer, FSBO seller, or a seasoned investor, we’re here to protect your peace of mind.
Ready to close with confidence? Contact us today to get started.
LEBANON, TN – August, 4, 2025 — Tressler & Associates is proud to officially announce the formation of its newest endeavor, Tressler Real Estate. This exciting addition marks the third company under the growing Tressler umbrella, joining the well-established Tressler & Associates law firm and Tressler Title.
Rooted in a longstanding commitment to serve Middle Tennessee with integrity and excellence, the launch of Tressler Real Estate is a natural extension of the firm’s mission: to secure peace of mind for every client at every stage of life. With deep ties to the real estate community and a multigenerational legacy of leadership—dating back to one of Lebanon’s oldest real estate offices—Tressler Real Estate brings tradition and innovation together under one trusted name.
“We’ve always believed in serving people well and providing real solutions that make a difference,” said Todd Tressler, Founder and CEO. “The launch of our real estate company allows us to continue that mission in a new way while offering a full-circle client experience—from legal support to title services to now, real estate representation.”
While location details are still being finalized, the Tressler team invites the community to stay tuned as this new venture takes shape.
Media Contact: Sophie Markos Marketing & Community Engagement sophie@proverbsbizconsulting.com
You’ve probably seen the ads: “Protect your home from title theft!” Companies promising “title lock” services often market fear—warning you that someone could steal your home right out from under you. But what exactly is title lock, and is it something you actually need?
What Is Title Lock?
Title lock is a subscription-based service that monitors your property’s title for any changes or filings. If someone files a document that affects your property—like a lien or deed transfer—you get notified.
Sounds helpful, right? Sort of. But here’s the key: Title lock doesn’t actually prevent fraud. It only tells you after it’s happened.
What Is Title Insurance?
Title insurance, on the other hand, is a one-time purchase made at closing that protects your legal ownership of the property. If a title issue pops up—like an unknown heir, forged signature, or unpaid lien—your title insurance policy helps cover the legal costs to defend your ownership or reimburse your loss.
The Big Difference
Think of it like this:
Title lock = alarm system
Title insurance = homeowner’s insurance
Title lock tells you if something might be wrong. Title insurance actually helps fix it if it is.
So, Do You Need Title Lock?
Probably not. If you already have title insurance from your closing (most buyers do), you have real protection. If you’re unsure, contact us and we can help you review your documents.
Final Thought
Don’t fall for fear-based marketing. Real peace of mind comes from real protection.
Ready to make sure your title is truly secure? Reach out to Tressler Title—we’re here to help you protect what matters.
