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.
Mortgage Rates Stay Above 7%: 30-Year Fixed at 7.18%
The 30-year fixed has been above 7% for seven straight weeks, peaking at 7.40% in October. At 7.18%, a $400,000 loan costs $317 a month more than February's low.
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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 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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