The mortgage questions you actually have — answered with real numbers
Most homeowners overpay on taxes or miss deductions they qualify for — not because the rules are that complicated, but because the guides that explain them are buried in disclaimers and padding. We cover mortgage interest deductions, home equity loans, PMI removal, and refinancing. With actual examples, not vague approximations.
What we cover
Guides
Is a Home Equity Loan Tax Deductible?
The IRS rules changed in 2018. Here's what still qualifies — and how to calculate your actual deduction.
Mortgage Interest Deduction by State
Federal rules set the floor, but state taxes vary widely. Find your state's rules and limits.
Cash-Out Refinance: The Tax Side Nobody Explains
Your new cash isn't taxable income — but what you do with it determines what you can deduct.
Property Taxes and Your Mortgage Escrow, Explained
Why your monthly payment includes taxes, what happens when they go up, and how to check your servicer's math.
How to Remove PMI and Lower Your Monthly Payment
You don't have to wait until you hit 20% equity automatically. There's a faster way.
Calculators
Run your own numbers. Each calculator is built around a specific decision — not generic payment math.
Common Questions
Looking for your state?
State income tax treatment of mortgage interest varies significantly — nine states have no income tax, several don't allow itemized deductions at all, and rates range from 2.5% to 13.3%. We have state-specific pages covering all 50.
Browse guides by state →