The altblog.

Considering making extra payments on your 15-year mortgage? Don't do it! Understand how extra payments work, potential drawbacks, and whether there are better financial moves for you.

Are you considering refinancing to save $200 a month? Explore the pros and cons, and learn how to determine if the savings are worth it based on your breakeven

Paying for origination fees and discount points could help lower your rate by 1% or more and save $100K or more in mortgage interest. Here's what you need to know when paying for points...

Buying a home is a significant milestone that mixes human emotions with lasting financial obligations. Understanding common missteps or biases in our thinking can help make better homebuying decisions.

Curious if refinancing your mortgage resets your loan term? Explore how refinancing works, its impact on your loan term, and strategies to avoid starting over.

Discover the reasons why people refinance loans, from lowering interest rates to cashing out equity. Learn the pros, cons, and when refinancing makes sense.

Altgage PrePay was born because a mortgage broker told me I could not get a 23yr mortgage. He called it an “odd-term amortization.” I did not know what amortization meant and asked — “why not?” If it isn’t 15 or 30-yrs, it’s odd, but what in the world was amortization?