Comparison Decision Hubs
Side-by-side decision frameworks with mathematical proofs, case studies, and calculator links.
Decision Hub
15-Year vs 30-Year Fixed Mortgage
Compare $1,299/mo payment diff vs $210,138 lifetime interest savings.
Verdict Preview: Choose 15-year for $220k+ interest savings; choose 30-year for maximum monthly budget flexibility.
Decision Hub
Refinancing vs Extra Principal Payments
Compare refinancing to a lower interest rate vs making voluntary extra principal contributions.
Verdict Preview: Refinance if market interest rates drop >= 0.75%; make extra payments if current interest rates are flat.
Decision Hub
5% vs 20% Down Payment
Compare preserving liquid emergency cash vs eliminating monthly PMI insurance fees.
Verdict Preview: Put 20% down to eliminate PMI and lower monthly payment; put 5% down to enter home ownership sooner.
Decision Hub
FHA vs Conventional Loans
Compare credit score limits (580 vs 620), MIP fees, and cancellable conventional PMI.
Verdict Preview: Choose FHA for credit scores 580-679; choose Conventional for 680+ credit scores to cancel PMI.
Decision Hub
Fixed-Rate vs ARM Decision Hub
Evaluate starter home vs forever home decision scenarios and teaser rate caps.
Verdict Preview: Choose 5/1 ARM if selling in < 7 years; choose 30-Year Fixed for long-term rate certainty.