Should You Pay Off Your Mortgage Early?
Paying off your mortgage early is a guaranteed, tax-adjusted return — but it costs you liquidity. Here's how to decide if it beats investing.
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The Journal
Mortgage decisions, explained.
Short, practical articles that pair with our calculators — so you understand the decision, not just the number.
How Mortgage Rates Are Set (and What Moves Them)
Mortgage rates track the 10-year Treasury plus a lender spread — the Fed moves them only indirectly. Here's what sets your rate, and what you control.
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HELOC vs. Home Equity Loan: Which Should You Use?
Both let you borrow against your home — but one is a fixed lump sum and the other a flexible credit line. Here's how to choose.
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How Much Down Payment Do You Really Need?
The 20% rule is a myth. Conventional loans start at 3%, FHA at 3.5%, and VA and USDA at zero. Here's what each costs you and how to choose.
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What Is a Good Debt-to-Income Ratio for a Mortgage?
A good DTI for a mortgage is 36% or below, with most lenders capping at 43%. Here's how front-end and back-end ratios work — and how to improve yours.
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Are Mortgage Points Worth Buying?
Discount points buy a lower rate for cash up front. The whole decision comes down to one number — your break-even point. Here's how to find it.
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How to Get the Best Mortgage Rate
The mortgage rate you're offered isn't fixed — it's earned. Here's the checklist that lowers it: credit, LTV, points, and shopping lenders.
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Are Biweekly Mortgage Payments Worth It?
Half your payment every two weeks adds up to one extra payment a year. Here's the real savings, the lender fees to watch, and the free DIY version.
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