Mortgage NewsJanuary 19, 2026
From 50-Year Mortgages to 401(k) Withdrawals: Fast Fixes with Bigger Hidden Costs
Using retirement savings for home down payments may help buyers now but creates long-term risks for wealth and housing prices.
Alex Lange is the CEO of Full Beaker, a financial media and lead generation company serving the mortgage, housing, and consumer finance industries. He has over 20 years of experience in mortgage finance, real estate, and PropTech, working closely with lenders and housing platforms on market analysis and consumer behavior. Alex is a Certified Foresight Practitioner, and his writing focuses on housing affordability, retirement policy, mortgage products, and long-term household financial outcomes.