Borrow Smarter
Know the full cost before you borrow another dollar.
Thinking about a refinance? Trying to pay off credit cards, a car loan, or other debt? Not knowing the smart math of borrowing can cost you years of payments and thousands in interest you didn't have to pay.
4 questions to answer before you sign
A lower monthly payment can feel like a win. Sometimes it is. Sometimes it costs you more. These questions tell you which.
What will this cost in total?
Look past the monthly payment. Add up every payment you'll make, plus the fees. That's the real price of the loan.
Am I stretching short debt into long debt?
Moving a 5-year balance into a 30-year loan can lower your payment and still raise the total interest you pay.
What does it cost to get this loan?
Closing costs and fees are part of the math. A new loan has to save you more than it costs you to get it.
Can I reach my goal without new debt?
Sometimes the smartest loan is no new loan at all. It's worth knowing your options before you decide.
Financial education, not financial advice.
Your next step
In California
Thinking about a refinance or a new loan? Call me first. We'll look at the full cost, not just the payment.
Mortgage services are for California properties only.
Anywhere
The Borrow Smarter course is coming. Get early access and learn the math of borrowing before your next big decision.
Serve to Protect.
I'm Gregg Knight. I'm a retired police officer, and I've been a mortgage pro since 1998. Protecting people was my first career. Now I do it by teaching the math behind your mortgage and your debt, before you make a decision you can't undo.
Educate first. Transact second. Everything here is financial education, not financial advice.