Mortgage answers
The questions I get every single week
I like explaining this stuff. These are the things people actually ask me, written out properly — including the parts where the honest answer costs me a deal.
Mortgage basics
Are mortgage points worth it? Do this one calculation first
Paying points buys a lower rate with money you have today. Whether that's clever or expensive comes down to a single number — how long you'll keep the loan versus the break-even.
Mortgage basics
APR vs. interest rate: why the lower APR isn't always the better deal
The rate sets your payment. The APR is supposed to let you compare offers — but it makes one assumption that's wrong for most people, and it quietly punishes the cheaper loan.
Mortgage basics
15-year vs. 30-year mortgage: the case for each, honestly
A 15-year saves a fortune in interest and takes away your flexibility. A 30-year costs more and gives it back. Here's how to work out which trade suits you, rather than which one sounds more responsible.
Want the answer to something that isn't here?
Ask me. I answer mortgage questions on Reddit for free and have done for years — I'm not going to start charging for it on my own website. If it's a good question I'll probably write it up.
Or just ask me directly
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