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Should I Refinance My Mortgage in 2026? Rates, Requirements, and the Breakeven Math

The average 30-year mortgage refinance rate is sitting around 6.8% as of early July 2026, per Freddie Mac's Primary Mortgage Market Survey. That's not the "lowest since the 1950s" environment this page used to describe — those sub-4% rates are long gone, and most homeowners today are locked into a…

Should You Pay Off Your Mortgage Early or Invest The Extra Cash?

Many of us dream about how it would feel to not have a monthly mortgage payment. Owning your home free and clear is the aspiration of numerous homeowners. But even without – in most cases – that hefty payment leaving your checkbook every 30 days, there are actually some reasons…

15 Year Versus 30 Year Fixed Rate Mortgages – How to Determine Which is the Better Option

As mortgage rates continue to hover at 30 year lows, many people are wondering whether a 15-year or a 30-year mortgage term is a better option. After all, even though payments on the 15-year option would be higher, the lower interest rates on the shorter term loan are keeping payments,…

Looking Beyond the Monthly Payment Saving and Calculating the True Cost of Your Mortgage Refinance

Mortgage lenders often attract homeowners seeking to lower their mortgage interest rate with some simple math, usually presented in one of two ways: 1) Comparing the nominal closing costs to the total savings from 30 years of a lower monthly payment, or 2) How few months it will take before…

Cashing Out My 401(k) – Loans vs. Hardship Withdrawals – Which is The Better Option?

With rising prices and economic uncertainty, many Americans are still finding it hard to make ends meet and find that they are having to tap one of their most important and final saving vehicles – their company sponsored 401k or 403b (tax advantaged) retirement plans. There are 3 ways that…

Paying off Your Mortgage Early- What Would You Do With The Spare Cash

Not having to pay rent or a mortgage is one of the key steps to financial freedom. It frees up what is most likely your biggest expense and allows you to channel that money to other wealth building pursuits. I currently pay about $3500 a month in rent (including taxes), and have…

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Should I Refinance My Mortgage in 2026? Rates, Requirements, and the Breakeven Math

Should You Pay Off Your Mortgage Early or Invest The Extra Cash?

15 Year Versus 30 Year Fixed Rate Mortgages – How to Determine Which is the Better Option

Looking Beyond the Monthly Payment Saving and Calculating the True Cost of Your Mortgage Refinance

Cashing Out My 401(k) – Loans vs. Hardship Withdrawals – Which is The Better Option?

Paying off Your Mortgage Early- What Would You Do With The Spare Cash