The Freedom Ledger

Real Numbers: Amortized Mortgage vs. Daily-Balance Interest

Chris Attaway

Published on: 28/09/2026

In the first 10 years of a typical 30-year mortgage, about 80% of your principal and interest payments go to interest. Here's why daily-balance interest works so differently, with real numbers.

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Myth: A 30-Year Mortgage Is Just "How It Works"

Chris Attaway

Published on: 28/09/2026

Most of us were never shown another way to pay off a home. Here's what a 30-year mortgage really costs, and why the bank's plan doesn't have to be yours.

mortgage myths30-year mortgageamortizationcredit line banking

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