Blog & Guides

Home financing: explained without the broker-speak.

Long-form articles on mortgage math, refi strategy, PMI loopholes, DTI myths, and rent-vs-buy decisions — written for regular people making the biggest purchase of their lives.

Featured

30-Year vs 15-Year Mortgage: A Quantitative Comparison (2026 Update)

August 4, 20264 min read

Crunch the numbers between 30-year and 15-year fixed mortgages: lifetime interest, break-even cross-over points, opportunity cost on monthly cash flow, and when each makes sense.

Latest articles

PMI

July 18, 20265 min read

How to Remove PMI Early (Without Refinancing) — The 2026 Playbook

Cancel PMI months or years ahead of the automatic HPA removal. Understand the 80/20 rules, BPO vs appraisal strategies, FHA MIP workarounds, and servicer loopholes.

DTI

June 27, 20266 min read

The 28/36 Rule (and Why Modern Lenders Bend It All the Time)

Front-end vs back-end DTI: what underwriters actually look at, the 28/36 rule of thumb, and when 43% back-end, 45%, or even 50% DTI gets approved in 2026.