Mortgages Without the Misery

Mortgages Without the Misery

A mortgage is probably the biggest loan you'll ever take. Most people sign one without anyone showing them where the money goes.

This book shows you, month by month, with real numbers.

💡 WHAT YOU'LL LEARN

✔️ Amortization: why early payments are mostly interest, with a full $300,000 example worked out

✔️ The real payment is PITI: principal, interest, property taxes, insurance and escrow

✔️ 15 vs 30 years, fixed vs adjustable, and paying points, each with its break-even

✔️ Down payments, PMI and how it comes off, closing costs, and pre-approval

✔️ The debt-to-income rule of thumb lenders use

✔️ Extra payments and refinancing, and what they really save

✔️ Renting vs buying as a way of thinking, and the traps to avoid

📖 WHAT'S INSIDE

✔️ 30 pages

✔️ 12 worked examples

✔️ 12 practice problems with full answers

✔️ Two worksheets: "my mortgage, decoded" and "can this payment fit?"

✔️ A "Try This Now" action page, a glossary and a one-page summary

🔒 No lender names. It never tells you whether to buy or which loan to take.

👉 Want all five? The Life Money Bundle has this book plus four more and a bonus workbook for $47.

Educational only. Not financial, lending or legal advice. US-focused. Instant PDF download.