The conversation around interest rates has been loud this year, but recently, former President Donald Trump introduced ideas that could reshape how homeowners move, buy, and sell. As a Coweta and Fayette County realtor, I’ve been following these proposals closely so I can keep my clients informed, prepared, and confident. I’m Sheree Macaroni, and here’s what you need to know about what Trump is suggesting and how it could affect our local market.

What Trump Is Proposing

Two main ideas have been circulating:

1. Transferable or “Portable” Mortgage Rates

Trump has floated the idea that homeowners should be able to take their current low interest rate with them when they move to a new home.
Right now, only certain loans like FHA, VA, and USDA are assumable under specific conditions—meaning buyers can take over the seller’s rate. But the ability for a homeowner to transfer their interest rate to a brand-new mortgage on a new property doesn’t exist in the current system.

If this ever became real policy, it would be one of the biggest shifts in U.S. mortgage lending in decades.

2. Extending Mortgages to 40–50 Years

He’s also mentioned longer mortgage terms—up to 50 years—to reduce monthly payments.
This would stretch the loan over a longer period, making payments more affordable, but increasing the long-term interest paid.

Will These Ideas Actually Happen?

Right now, these proposals are not law, not approved, and not in motion. They would require:

• Congressional approval

• Support from federal housing agencies

• Major cooperation from lenders and investors

As of today, they are political ideas, not active mortgage programs.

But they’re gaining attention because millions of Americans are “rate-locked.” Homeowners with 2–3% rates don’t want to move into a 6–7% market. In Coweta and Fayette, this has significantly reduced inventory, slowed turnover, and kept prices higher than expected.

What This Means for Coweta & Fayette Homeowners

As a local agent who studies this market every day, here’s how I see it:

If portable rates ever become reality:

• More homeowners would be willing to list.

• Move-up buyers would return.

• Inventory would open up.

• Prices would adjust to a healthier pace.

If 40–50-year loans become available:

• First-time buyers could afford more home.

• Mortgage payments would drop slightly.

• More buyers would enter the market.

But again—nothing has been implemented yet.

My Professional Take as Realtor Sheree Macaroni

I’m watching these proposals closely because anything that allows homeowners in Newnan, Senoia, Sharpsburg, or Fayetteville to move without losing their low rate could completely change our local housing landscape.

Right now, we are still in a low-inventory, high-competition environment. Sellers hold strong positions. Buyers need strategy and preparation.

Whether Trump’s ideas move forward or not, my job is to stay proactive, educated, and transparent so my clients always get the best guidance.

If You’re Thinking About Moving, Here’s My Advice

• Don’t wait on political proposals to become real. They may or may not materialize.

• Focus on what the current market is doing.

• Ask questions early so you can make smart decisions.

• Get a local valuation and strategy—not just an online estimate.

I’m always here to help you understand your options clearly and confidently.
If you’re considering selling, buying, downsizing, upsizing, or relocating, reach out anytime. Your next step doesn’t have to be stressful.

— Sheree Macaroni, Realtor®
Macaroni Homes | Coweta & Fayette County Real Estate