{"id":7659,"date":"2024-08-03T16:10:07","date_gmt":"2024-08-03T14:10:07","guid":{"rendered":"https:\/\/oxfordwisefinance.com\/blog\/?p=7659"},"modified":"2024-08-03T16:10:19","modified_gmt":"2024-08-03T14:10:19","slug":"is-it-worth-it-to-make-just-1-extra-payment-a-year-on-your-30-year-mortgage","status":"publish","type":"post","link":"https:\/\/oxfordwisefinance.com\/blog\/is-it-worth-it-to-make-just-1-extra-payment-a-year-on-your-30-year-mortgage\/","title":{"rendered":"Is It Worth It to Make Just 1 Extra Payment a Year on Your 30-Year Mortgage?"},"content":{"rendered":"\n<p>If you own a home, you&#8217;re likely familiar with the advice to pay more on your mortgage to pay it off faster. But what if you don&#8217;t have extra thousands to spare each month? There&#8217;s a simple alternative &#8211; making mortgage payments every two weeks. By paying half your mortgage payment each time, you&#8217;ll make 26 half payments in a year. This is achievable for most since many jobs pay every two weeks. As there are 52 weeks in a year, you&#8217;ll effectively make 13 full payments instead of the typical 12.<\/p>\n<h2>Making an Extra Mortgage Payment Can Save Thousands in Interest<\/h2>\n<p>Paying even a modest additional amount towards your mortgage can significantly reduce the loan term and save you money. Let&#8217;s consider a scenario where you purchased a $400,000 home in 2020 with a 4% interest rate. Assuming a 20% down payment of $80,000, your total loan balance would be $320,000.<\/p>\n<p>If you stick to regular monthly payments, you&#8217;d pay off your loan in 30 years, totaling $229,982 in interest. However, making 13 payments a year would shorten the loan term to 25 years and 11 months, with only $193,382 paid in interest. This amounts to a substantial $36,600 in interest savings over the life of the loan.<\/p>\n<h3>Comparison of Monthly Mortgage Payments on a $320,000 Loan at 4% Interest:<\/h3>\n<div class=\"ta_table-wrap\">\n<table class=\"ta_table\">\n<thead>\n<tr>\n<th>Payment frequency<\/th>\n<th>Monthly payment<\/th>\n<th>Total interest paid<\/th>\n<th>Loan term<\/th>\n<th>Interest savings<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Every month<\/td>\n<td>$1,528<\/td>\n<td>$229,982<\/td>\n<td>30 Years<\/td>\n<td>$0<\/td>\n<\/tr>\n<tr>\n<td>Every two weeks<\/td>\n<td>$1,656<\/td>\n<td>$193,382<\/td>\n<td>25 Years 11 Months<\/td>\n<td>$36,600<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>For those with higher recent mortgage rates, the potential savings are even more significant. With the same assumptions on a $400,000 home and a 7% interest rate, making 13 payments a year could lead to savings of $113,003 in interest and early repayment in 23 years and 8 months.<\/p>\n<h3>Comparison of Monthly Mortgage Payments on a $320,000 Loan at 7% Interest:<\/h3>\n<div class=\"ta_table-wrap\">\n<table class=\"ta_table\">\n<thead>\n<tr>\n<th>Payment frequency<\/th>\n<th>Monthly payment<\/th>\n<th>Total interest paid<\/th>\n<th>Loan term<\/th>\n<th>Interest savings<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Every month<\/td>\n<td>$2,129<\/td>\n<td>$446,428<\/td>\n<td>30 Years<\/td>\n<td>$0<\/td>\n<\/tr>\n<tr>\n<td>Every two weeks<\/td>\n<td>$2,309<\/td>\n<td>$333,425<\/td>\n<td>23 Years 8 Months<\/td>\n<td>$113,003<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2>If You Have a Low Interest Rate, Consider Other Investment Opportunities<\/h2>\n<p>For those with historically low-interest rates, such as rates from previous years, it may be more beneficial to explore investment options for that extra mortgage payment. High-yield savings accounts, certificates of deposit (CDs), or other investments could yield better returns than paying off a low-interest mortgage.<\/p>\n<h2>Consider Your Financial Situation When Deciding to Make Additional Mortgage Payments<\/h2>\n<p>If your mortgage interest rate is above 6% or 7%, making an extra mortgage payment each year is likely a prudent financial decision. By saving thousands in interest and paying off your mortgage more swiftly, you can secure your financial future. However, if you have a low mortgage rate, it might be more advantageous to invest the extra money wisely.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you own a home, you&#8217;re likely familiar with the advice to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7660,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","pagelayer_contact_templates":[],"_pagelayer_content":"","iawp_total_views":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[142,444],"tags":[],"class_list":["post-7659","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-business","category-mortgage-options","col-md-12"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Is It Worth It to Make Just 1 Extra Payment a Year on Your 30-Year Mortgage? - Blog - Oxford Wise Finance<\/title>\n<meta name=\"description\" content=\"Making one extra payment a year on a 30-year mortgage can save you serious interest. 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