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Category: Mortgage

Mortgage

The Effect of Early Loan Payments

May 1, 2020April 24, 2020 David2 Comments

Shortly after we bought our first home, I threw together some spreadsheets to examine the amortization of our mortgage. I wanted to experiment how prepayments towards the principal of our loan would affect the total amount of interest we paid to the bank. I learned a couple things that I thought I’d share. More Interest… Continue reading The Effect of Early Loan Payments

Mortgage

Is A Refinance Worth It?

April 17, 2020March 22, 2020 David2 Comments

A few weeks ago we closed on a refinance of our mortgage. We kicked off the process mid-February, before the COVID-19 storm really kicked in. We closed just shortly after the market did the dizzying drop mid-March. Why refinance now? Rates had dipped in early February to the point where we could drop another .75%… Continue reading Is A Refinance Worth It?

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