Link Excuse me for stating the obvious, but this sounds like crap. Hell, you could die before the mortgage is up, and if your kids couldn't finish paying it off, the bank could seize the house and return only the invested equity to the kids. And the rate is fixed for only the first five years? Please! This is a really dumb idea. To me it's just another manifestation of the weakened buying power of the average American. Though people have less savings and lower wages relative to their cost of living nowadays, I'm sure there have got to be better answers than this. And those answers have to do not with creating bigger and better debts for homebuyers, but with helping grow (not shrink) the middle class, and with bursting the real estate bubble.