Kurt Tachick - Realtor, Coldwell Banker

06/14/2026

05/10/2026

Three extra payments a year turns a 30-year mortgage into a 9-year mortgage. The bank built the schedule. You don't have to live by it.

Here's what that actually looks like on a $400,000 home 👆🏼

One extra payment per year. That's it. Seven years gone from your timeline and $116,000 in interest that never leaves your pocket. The bank was counting on collecting that $116,000. One extra payment a year is how you tell them no.

Two extra payments per year cuts 14 years off and saves $187,000.

Three extra payments per year and your 30-year mortgage becomes a 9-year mortgage. You save $235,000 in interest on a home you now own free and clear before most people have made it halfway through theirs.

Now here's the question everyone asks: where does the extra payment money come from.

A few places that work consistently. Split your monthly payment in half and pay biweekly instead of monthly. You'll make 26 half-payments which equals 13 full payments a year instead of 12. One extra payment with zero lifestyle change required. Drop your tax refund directly onto principal every spring before it touches your checking account. Any raise or bonus hits the mortgage first before lifestyle creep gets a vote.

The bank built a 30-year schedule because 30 years of interest payments is the most profitable outcome for them.

Your most profitable outcome looks completely different.

Three extra payments a year. $235,000 saved. Twenty-one years of your life back.

Run that math before you make your next payment.

05/09/2026

Too high = No buyers.
Too low = Money left on the table.
Just right? = Multiple offers and a quick sale!

Pricing your home is a strategy, not a guessing game.
🎯 Let’s get you the best price without the stress.

Comment "HOME" below if you’re thinking about listing this year!

04/30/2026

Thinking about selling? The Midwest market is delivering great results. Let’s start with a competitive market analysis so you know your home’s true value. I’ll help you sell for top dollar and map out your next move with a plan that works for you.

04/30/2026

04/24/2026

Great article! I agree with Martha here!

Decorating a bathroom can be tricky, especially if you're short on square footage. Too many décor elements can make this space feel even smaller—we spoke to designers about a few common mistakes that you should avoid.