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Housing & Mortgages

Buying, financing, and owning a home: affordability, amortization, closing costs, property taxes, and the rent vs buy decision.

Start with the decision you are actually facing. If you are deciding whether to buy at all, the rent vs buy series runs the honest math city by city, and the affordability guides translate lender rules like 28/36 into a monthly payment you can live with. If you already own, the amortization, extra-payment, and refinance guides show where each dollar of a payment goes and when changing the loan pays off. Every guide here pairs with a tested calculator, states its assumptions, and cites primary sources, so you can check the math before you act on it.

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