Big decisions.
Clearer answers.
Plain-language guides for the things that matter before, during and after choosing a mortgage.
THE BASICS
What is actually in a mortgage payment?
Separate principal and interest from taxes, insurance, HOA, PMI and upfront closing cash.
MAKE THE TRADEOFF
15-year or 30-year mortgage: compare the right numbers.
Compare required payments, interest costs and the flexibility of extra payments on 15-year and 30-year fixed mortgages.
UNDERSTAND THE DETAILS
PMI removal: a request is not the automatic date.
Understand the difference between requesting conventional PMI cancellation at 80% and automatic termination on the original schedule.
COMPARE OFFERS
Mortgage points: pay now, or pay over time?
Compare discount points and lender credits using actual quoted rates, fees and the time you expect to keep a mortgage.
A SECOND LOOK
The refinance break-even number that is easy to miss.
Why comparing the remaining balance matters when refinancing into a longer loan, even when the payment falls.
A home for your plans.
Explore the numbers before you make the next move.