{"id":2193,"date":"2023-05-20T19:16:36","date_gmt":"2023-05-20T19:16:36","guid":{"rendered":"https:\/\/www.eastbaysmortgagebroker.com\/?p=2193"},"modified":"2023-05-20T19:16:40","modified_gmt":"2023-05-20T19:16:40","slug":"early-mortgage-payoff","status":"publish","type":"post","link":"https:\/\/www.eastbaysmortgagebroker.com\/early-mortgage-payoff\/","title":{"rendered":"How To Pay Off Your Mortgage >10 Years Early!"},"content":{"rendered":"\n<p>Paying off your mortgage early can have a significant impact on your financial life. Not only will you save money on interest, but you will also free up cash flow that you can use for other things, such as investing or saving for retirement. I&#8217;m about to share a free tool with you that will teach you the easiest way to do exactly just that, but first let&#8217;s highlight some of the benefits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Savings<\/strong><\/h2>\n\n\n\n<p>Homeowner or renter, the largest expense most households have is their housing expense. As a homeowner, you have the opportunity to eliminate the largest household cost that you have.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Cash Flow<\/strong><\/h2>\n\n\n\n<p>When you pay off your mortgage early, you free up cash flow that you can use for other things. This could mean investing for retirement, saving for a child&#8217;s education, or simply having more money to spend on things you enjoy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Freedom<\/strong><\/h2>\n\n\n\n<p>Paying off your mortgage early can also give you a sense of freedom. You will no longer have to worry about making monthly mortgage payments. This can give you peace of mind and allow you to focus on other things in your life.<\/p>\n\n\n\n<p>For some people, paying off their mortgage is a major goal. It is a symbol of financial independence and it can be a great source of pride. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Impact<\/strong><\/h2>\n\n\n\n<p>Paying off your mortgage early can have a significant impact on your life. Here are just a few of the benefits:<\/p>\n\n\n\n<ul>\n<li>You will save money on interest.<\/li>\n\n\n\n<li>You will free up cash flow.<\/li>\n\n\n\n<li>You will have more peace of mind.<\/li>\n\n\n\n<li>You will have more financial freedom.<\/li>\n\n\n\n<li>You will be able to retire earlier.<\/li>\n\n\n\n<li>You will be able to leave a legacy for your loved ones.<\/li>\n<\/ul>\n\n\n\n<p>If you are thinking about paying off your mortgage early, I encourage you to do it! It is one of the best financial decisions you can make.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why am I sharing this? <\/strong><\/h2>\n\n\n\n<p>I believe in helping people. Period. Please do not hesitate to share this blog post with people that you know and love. If and when you&#8217;re looking to <a href=\"https:\/\/www.eastbaysmortgagebroker.com\/\">buy or refinance a home in California<\/a>, and you want a similarly high level of advocacy, advice, and care, then I&#8217;ll certainly not mind if you reach out to me to help fulfill those needs, or refer me to a friend or family member. I have this legacy &#8220;East Bay&#8221; focused URL because it was available several years ago (back when homebuyers and refinancers met their loan officers in person), but these days I actually serve the entire state of California. <a href=\"https:\/\/www.eastbaysmortgagebroker.com\/contact\/\">This is the best way to set up a a free consultation with me<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The &#8220;How&#8221;<\/strong><\/h2>\n\n\n\n<p>This video will tell you the easiest way to do it. <\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-tiktok wp-block-embed-tiktok\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"tiktok-embed\" cite=\"https:\/\/www.tiktok.com\/@californiamortgage\/video\/7233904102030331178\" data-video-id=\"7233904102030331178\" data-embed-from=\"oembed\" style=\"max-width: 605px;min-width: 325px;\" > <section> <a target=\"_blank\" title=\"@californiamortgage\" href=\"https:\/\/www.tiktok.com\/@californiamortgage?refer=embed\">@californiamortgage<\/a> <p>the EASIEST way to pay your mortgage off a DECADE ahead of schedule and save $400,000. <a title=\"personalfinance\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/personalfinance?refer=embed\">#personalfinance<\/a> <a title=\"fire\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/fire?refer=embed\">#fire<\/a> <a title=\"wealth\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/wealth?refer=embed\">#wealth<\/a> <a title=\"mortgage\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/mortgage?refer=embed\">#mortgage<\/a> <a title=\"college\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/college?refer=embed\">#college<\/a> <a title=\"realestate\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/realestate?refer=embed\">#realestate<\/a> <a title=\"california\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/california?refer=embed\">#california<\/a> <\/p> <a target=\"_blank\" title=\"\u266c original sound - Mortgage Tok California\" href=\"https:\/\/www.tiktok.com\/music\/original-sound-7233904180757334826?refer=embed\">\u266c original sound &#8211; Mortgage Tok California<\/a> <\/section> <\/blockquote> <script async src=\"https:\/\/www.tiktok.com\/embed.js\"><\/script>\n<\/div><\/figure>\n\n\n\n<p class=\"has-text-align-center\">&gt;&gt; <a href=\"https:\/\/docs.google.com\/spreadsheets\/d\/113N4AgLN7MhJLm7Ctuf0VQpnxnkFLye53C639Yi3qs0\/edit?usp=sharing\"><strong><em>And here&#8217;s what you&#8217;ve been waiting for, a link to the tool referenced in the video.<\/em><\/strong><\/a> &lt;&lt;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Video Transcript: <\/h2>\n\n\n\n<p>I want you to think for a minute about the power of owning your primary residence free and clear. Because in this video, I&#8217;m going to show you the easiest, easiest hack that will pay your mortgage off more than 10 years early. <\/p>\n\n\n\n<p>What that means is that if you are 30 and buying your first house, that you will have it paid off in your forties. Now, most people have their first kids right around the time they buy their first house. That could very well mean that when your kid turns 18, you can pay, by virtue of not having a mortgage, you could pay their way through college without them or you having to incur student loan debt because you are paying as you go, which you can do because you don&#8217;t have a mortgage.<\/p>\n\n\n\n<p>Let&#8217;s say you&#8217;re 35 years old and buying your first house. That means, according to the bank&#8217;s plan, you&#8217;re going to have a mortgage into your 60s and their went retirement. By contrast, if I can show you how to pay that bad boy off in your 50s, you can coast into retirement and live happily ever after.<\/p>\n\n\n\n<p>The most common advice along this line is to just pay $1000 dollars extra each month. I think that is monumentally stupid advice. The reason I think that&#8217;s stupid advice is because if that family had 1000 bucks extra discretionary income, they likely would have bought a house that was $400 a month or $800 a month more expensive. So that thousand dollars a month is a fictitious thing that doesn&#8217;t exist.<\/p>\n\n\n\n<p>So what we need to do then is gradually increase the payment over time such that it&#8217;s not painful. Because you should, on average, be getting pay raises over time. So the way we&#8217;re going to do that, the way we&#8217;re going to engineer that outcome, is first one to open our amortization Schedule and Principle Reduction calculator. Which I will share with you for free at the end of this video. I coded this thing some years ago. I was assuming about 3% inflation, and about 3.75% for interest rates. It turns out that as interest rates and inflation go higher, this tool gets more powerful, not less powerful.<\/p>\n\n\n\n<p>Alright, so once you&#8217;ve opened it, the first thing you&#8217;re going to do is plug in your loan amount, the term, typically 30 years, the interest rate, and when your first payment will be or was. Next, what you&#8217;re going to do is you&#8217;re going to do is tell it that our goal is the 20 year payoff of a 30 year loan. You&#8217;re going to click on that thing that says no, and you&#8217;re going to change that no to a yes.<\/p>\n\n\n\n<p>And right off the bat, it&#8217;s telling us that if you follow this plan, you&#8217;re going to reduce the total amount of interest you pay over the course of this loan from a million dollars to $600,000, saving $400,000 in interest payments. And you&#8217;re going to chop 146 months off of the life of the loan. 120 months would be 10 years. So this is actually going to chop off about 12 years of your mortgage. Like I said, when inflation is higher and interest rates are higher, this tool becomes more powerful, not less powerful.<\/p>\n\n\n\n<p>And here&#8217;s the magic. Using a long term inflation average of 3%, and that&#8217;s going to mean that you are getting a 3% salary increase, at least long term, per year. This is going to gradually increase your payment 1\/12 of 3% per month. Which means if you get a bill in the mail and the bill says pay $5000, you&#8217;re going to pay $5012, and the next month you&#8217;re going to pay $5020, $5 and so on and so forth.<\/p>\n\n\n\n<p>So rather than sledgehammering it with $1000 a month every single month for the next, you know, 18 years, which is hard for a lot of people, because again, you don&#8217;t have $1000 bucks a month sitting around. We will use your long term average pay raises over time and step it up gradually in such a way that it&#8217;s always comfortable and reasonable.<\/p>\n\n\n\n<p>Now you might be saying to yourself, this is crazy, because eventually it&#8217;s going to have me paying over $1000 dollars a month extra. Yes, that&#8217;s true, but that&#8217;s down the line. In the future, you are making inflation work for you instead of against you. Remember, a can of Coke 20 years ago was 50 cents. Now it&#8217;s $2. And you might have told the 20 years ago version of you that it would be crazy to pay $2 for a can of Coke, and yet here we are. That&#8217;s how inflation works. This is just leveraging it and making it work for you instead of against you. And this will live with you throughout your mortgage.<\/p>\n\n\n\n<p>So if, let&#8217;s say, 10 years from now, you got extra money and you want to pay down your balance even more, you can just go to that cell for that month and that year, delete the formula, put in the application of that Christmas bonus towards the mortgage balance, and we just chopped another half year off of our mortgage on top of that.<\/p>\n\n\n\n<p>I want you to take a moment and comment below with how your life is going to be different 20 years from now when you have a paid off, free and clear house because you watched this video. Go ahead and leave that comment right there. I&#8217;m super interested to see what you guys say.<\/p>\n\n\n\n<p>How to get this amazing, powerful free tool. First, if you are already my client or a past client within the last 8 years, you already have this tool. All you need to do is find the Google Sheets, then go to View, Hidden Sheets and bonus thing, there&#8217;s like 15 other things I&#8217;ve already given you for free that I might not even have told you about, but amortization one &#8212; that is this tool if you want to play with it.<\/p>\n\n\n\n<p>For my future clients&#8230; You&#8217;re going to go to my profile, click on the link right there. Click on that option right there. I want to pay my 30 year mortgage off more than 10 years early. You&#8217;re going to put your name in your email because the next market update is going to be that tool that we just showed you. And after you get that tool, if you want to unsubscribe, I&#8217;m not going to hold it against you. That&#8217;s fair.<\/p>\n\n\n\n<p>For more stuff like this that corporate America isn&#8217;t going to tell you because they want you to be in debt forever, go ahead and click that follow button. Comment. I&#8217;ll see you on the flip side. Have a great day.<\/p>\n\n\n\n<p class=\"has-text-align-center\">&gt;&gt; <a href=\"https:\/\/docs.google.com\/spreadsheets\/d\/113N4AgLN7MhJLm7Ctuf0VQpnxnkFLye53C639Yi3qs0\/edit?usp=sharing\"><strong><em>Click here to access the tool referenced in the video.<\/em><\/strong><\/a> &lt;&lt;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Paying off your mortgage early can have a significant impact on your financial life. Not only will you save money on interest, but you will also free up cash flow that you can use for other things, such as investing or saving for retirement. I&#8217;m about to share a free tool with you that will [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2185,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[26],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Pay Off Your Home Mortgage 10 Years Early<\/title>\n<meta name=\"description\" content=\"Learn how to pay off your mortgage early, save money on interest, and free up cash flow for investing, saving, and retirement.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.eastbaysmortgagebroker.com\/early-mortgage-payoff\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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