Congressman Tim Moore has made a notable housing stock purchase that’s drawing attention over its timing.
According to financial disclosures, Moore purchased between $15,001 and $50,000 worth of LGI Homes (NASDAQ: LGIH) stock on October 30, 2025, just days before President Donald Trump began promoting his controversial proposal for 50-year mortgages.
Since the transaction, LGIH shares have climbed more than 16%, while the S&P 500 has gained just 0.5% over the same period. By press time, LGIH was trading at $49 up almost 5% for the day.
The timing and context of the Congress trade are of particular interest, given that LGI Homes specializes in building affordable, entry-level houses for first-time buyers, the exact market segment that would benefit most from longer mortgage terms.
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Suspicion arises because Moore sits on the House Financial Services Committee, which oversees U.S. housing and mortgage policy. His dual role as a policymaker and investor in a company that could gain from such policies has raised questions about the ethics of the trade.
Controversy around Trump’s mortgage plan
Trump’s 50-year mortgage proposal aims to make homeownership more affordable by extending the standard 30-year mortgage term to 50 years, thereby lowering monthly payments.
For instance, a $400,000 loan at 6% interest would cost about $2,400 per month under a 30-year plan but roughly $2,100 under a 50-year loan. Proponents argue the idea could help younger Americans struggling with high borrowing costs.
However, the plan has drawn criticism from economists and housing experts. Extending the loan period means homeowners would pay much more in total interest and build equity far more slowly.
Critics warn the policy could drive home prices even higher, worsening affordability in the long run.
Many view it as a short-term fix that fails to address the nation’s core issue, the housing shortage. Trump has brushed off the criticism, portraying it as a simple way to reduce monthly costs. The proposal remains unofficial and would require both regulatory and legislative approval to take effect.
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