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hey theres a search trending on Google that has to do with mortgages that I wanted to talk about today because I think theres a lot of confusion so with house prices continuing to move higher at a slower Pace uh with the average mortgage payment over the last 12 months being about 30 higher than what it was 12 months ago because of those two reasons the rates have gone up and and house prices have gone up affordability has become a bigger issue and so the story uh has to do and these are just some of the headlines FHA green lights 40-year mortgages FHA approved four-year mortgages for certain buyers FHA approved 40-year mortgages for certain homeowners like those are some of the topics so you know the answer to that is no there is no new FHA 40-year mortgage product for somebody buying a house what FHA did approved is a modification program that would allow current homeowners if they have a hardship and qualify you know are having trouble making their payments to modify the term of t