Should You Pay Off Your Mortgage Early or Invest? How to Decide in 2026
Prepaying a 7% mortgage earns a guaranteed 7%. Here is how that compares with investing, how 2026 tax rules change the answer, and the order a financial planner would follow before paying extra.
Getting a Mortgage in Retirement: How Lenders Count Your Income and Assets
Retirees can get a mortgage at any age. Here is how lenders count Social Security, pensions and retirement withdrawals, how Fannie Mae and Freddie Mac turn savings into qualifying income, and when a HECM for Purchase fits.
Mortgage Points Explained: When Buying Down Your Rate Pays Off
One point costs 1% of your loan and buys a lower rate for the life of the loan. Here is how to calculate your break even month, how the IRS treats points and when a seller paid 2/1 buydown is the better deal.
15 Year vs 30 Year Mortgage: How to Choose the Right Term in 2026
A 15 year mortgage saves about $337,000 of interest on a $400,000 loan but costs about $798 more a month. Here is how the two terms compare at 2026 rates and how to decide which one fits your financial plan.