Mortgage Pal Blog

Expert guides, tips, and tools to help you make smarter mortgage decisions

Mortgage Calculator Guide
Calculator Guide
Complete Guide to Using a Mortgage Calculator

Learn how to use a mortgage calculator effectively to estimate payments, compare loan options, and plan your home purchase.

Calculate Mortgage Payments
Payments
How to Calculate Your Monthly Mortgage Payment

Understand exactly what goes into your monthly payment — principal, interest, taxes, insurance, and PMI.

Amortization Schedule
Amortization
Understanding Your Mortgage Amortization Schedule

Discover how your mortgage payments are split between principal and interest over the life of your loan.

How Much House Can I Afford
Affordability
How Much House Can I Afford?

A step-by-step guide to determining your home buying budget using income, debts, and down payment.

Refinance Calculator
Refinancing
Should You Refinance? How to Use a Refinance Calculator

Find out if refinancing your mortgage makes financial sense and how much you could save.

Mortgage Payment Formula
Education
The Mortgage Payment Formula Explained Simply

Break down the math behind your mortgage payment in plain English with real examples.

Extra Mortgage Payments
Savings
How Extra Mortgage Payments Save You Thousands

See how adding just $100–$200/month to your mortgage can save tens of thousands in interest.

PMI Calculator Guide
PMI
PMI Calculator: When Can You Stop Paying PMI?

Learn what PMI costs, when you can remove it, and strategies to eliminate it faster.

15 vs 30 Year Mortgage
Comparison
15-Year vs 30-Year Mortgage: Which Is Right?

Compare monthly payments, total interest, and pros and cons of each mortgage term.

First Time Home Buyer Guide
First-Time Buyers
First-Time Home Buyer Mortgage Guide

Everything first-time buyers need to know about mortgages, from pre-approval to closing day.

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