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Real Estate

Everybody's got to live somewhere. And – as the world now acutely knows – its usually better to do business in person as well.

In this section, you'll find our real estate posts, research, and calculators. And remember: location, location, location.

Real Estate Archives

Refinance Your Mortgage and Pay the Same Amount? A Calculator to Determine if it's Worth It!

There is a mortgage strategy variously described in different corners of the internet where a mortgage is refinanced... and payments stay steady. For this strategy, a borrower is currently paying some monthly payment, and will continue to pay the exact same monthly payment after their mortgage is refinanced. The benefits are usually explained as an acceleration of mortgage payments and a "guaranteed investment return". You may find yourself in a situation where you are considering this form of accelerated mortgage payments. Is it worth it? Let's run the numbers and find out!

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A Mortgage Refinance Calculator to Help You Decide if You Should Refi!

Conceptually, it's easy to grasp why and when you should refinance your mortgage. In practice, inertia is the main reason people hold back from refinancing. With that in mind, we present these mortgage calculator which will allow you to see how your current mortgage will compare with the mortgage you are considering. Perhaps if the math is enticing, you'll shop around? Enjoy!

We'd like to thank Hugh Chou for compiling the equations that we needed to create this calculator, and Ironman at Political Calculations for providing the calculator framework.

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Home Price Affordability Calculator

In our last article, we promised you a calculator so you can copy our methodology and calculate 'affordable' houses by determining what an acceptable monthly payment would be. In our current article, we deliver! Thanks to Ironman at Political Calculations for the calculator creation script, it was very useful once again!

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Strategic Default and Morality: Is it Okay to Not Pay a Mortgage?

Is it okay to welch on a financial commitment? Yes, I know that 'welch' is a gambling term - and we're about to talk about mortgages. If an unproportional amount of recent mortgages were actually bets that house prices would continue to increase, maybe 'welch' is the right term after all? Anyway, Pew recently polled people to ask their opinion on the practice of 'walking away' from mortgages.

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Don't Quit Your Day Job...

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