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# #motivationmonday 126
- URL: https://www.citizenjournal.us/motivationmonday-126/
- Published: 2025-04-07T12:42:27.000Z
- Updated: 2025-04-07T12:42:27.000Z
- Description: Henry Hoagland
- Author: Greg Loving
- Tags: mm

During the Great Depression Henry Hoagland transformed American homeownership by designing the long-term, self-amortizing mortgage. This Ohio economist replaced short-term loans requiring large down payments with 20-30 year mortgages, lower down payments, and monthly payments—making homeownership accessible to millions of middle-class Americans.

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