The MortgageIQ Blog

Plain-English guides to mortgages, refinancing, and paying off your home faster. No fluff. No jargon. Just the math.

The 28/36 rule, DTI ratios, and why the bank's max approval is almost never what you should actually spend.

⏱ 8 min read

A side-by-side comparison on the same home. The winner depends on your savings rate, not your income.

⏱ 7 min read

Federal law, lender rules, and three strategies to eliminate private mortgage insurance years ahead of schedule.

⏱ 6 min read

Why 26 half-payments equal 13 monthly payments, how much you'll actually save, and the traps to avoid.

⏱ 6 min read

Forget the "1% rule." The real test is whether your monthly savings pay back closing costs before you'd move.

⏱ 7 min read