Costs & planning
Detailed analysis of the costs involved in 50-year mortgages, including interest rates, PMI, affordability calculations, and tax implications.
Expert Warnings About 50-Year Mortgages
Financial advisors, economists, housing policy experts, and political leaders raise serious concerns about extended-term mortgages
The Real Math: $336,000-$473,000 Additional Interest Cost
Detailed breakdown of why 50-year mortgages cost 86-100% more in interest with examples at different loan amounts
Mortgage Points and 50-Year Loans: Buy Down Your Rate?
Complete guide to mortgage points on 50-year loans: discount vs origination points, break-even analysis, calculation examples, when buying points makes sense, points vs extra payments, tax deductibility, and strategic scenarios.
Tax Deductions for 50-Year Mortgage Interest
Complete guide to mortgage interest tax deductions on 50-year loans: deduction limits, itemization requirements, tax bracket calculations, year-by-year analysis, points deductibility, 2017 tax reform impacts, and tax-advantaged strategies.
Refinancing from 30-Year to 50-Year Mortgage
Complete guide to refinancing from 30-year to 50-year mortgage including when to refinance, break-even analysis, process steps, and costs involved.
Strategies for Reducing Payments on a 50-Year Mortgage
Discover practical strategies to lower your 50-year mortgage payments including refinancing, recasting, removing PMI, shopping for insurance, and appealing property taxes.
When Does a 50-Year Mortgage Make Sense?
Discover specific scenarios where a 50-year mortgage is smart including high-cost markets, cash flow optimization, investment strategies, and decision frameworks.
Closing Costs on 50-Year Mortgages: What to Expect
Complete guide to closing costs on 50-year mortgages: detailed breakdown of all fees, typical costs (2-5% of loan), examples at different price points, strategies to reduce costs, no-closing-cost mortgages, and state variations.
PMI on 50-Year Mortgages: Complete Guide
Complete guide to Private Mortgage Insurance on 50-year mortgages: costs, duration, removal strategies, how PMI impacts long-term loans, and ways to avoid or eliminate PMI faster.
Understanding 50-Year Mortgage Amortization Schedules
Complete guide to 50-year mortgage amortization: how payments split between principal and interest, equity building pace, and total cost over 600 payments.
Mortgage Rates & Calculation Guide
Understand how mortgage rates work, what affects your interest rate, and how monthly payments are calculated. Complete guide to mortgage mathematics and amortization.
The True Cost of a 50-Year Mortgage
Understand the true cost of a 50-year mortgage with total interest calculations, opportunity cost analysis, and real examples with detailed numbers.