Friday, May 15, 2020

Mortgage Balance (UPDATE) May 2020


If you have viewed our family's Net Worth Page, you probably already know that it does not include the equity in our home.  Although we do realize that it is technically part of our overall net worth, we decided that since our home equity is not an asset that we can count on for income (unless we sell and buy something cheaper) we would exclude it from our net worth calculation.

For the purpose of this blog, we are more interested in documenting our loan balance rather than our home equity.  With that said, we will use the current Zillow value as our estimated home value and use it to figure out the percentage we owe on our home. For those interested, we will include the amount of our home equity but know that we are less concerned with the equity since we have no plans to cash out or otherwise sell our home. Our main goal is to pay off our home on or before my retirement date. 


HOME VALUE:
According to Zillow, our home is currently worth $884,479 (up $8,338 in the last 30-days). 

Mortgage Balance (As of May 1st):
$211,682 (down $2,008 from April post)

Percentage Owed:
23.9% (down .2% since our April post)

Home Equity
$672,797 (up $2,008 from our April post)
   

Mortgage Background:
For those that have not read the Preface on our home equity, we currently hold a 15-year fixed-rate mortgage at the incredibly low rate of 2.875%.  My goal is to retire within 7 years and 1 months (85 months) so we are setting out to pay off our mortgage on or before my retirement date. Right now we are a few months behind the target retirement date. Currently, we have approximately 8 years and 2 months (95 months) left on our mortgage. Nevertheless, I would like to have it paid off in roughly 5 years. If we accomplish that, I plan to use the money we use to pay our mortgage and aggressively build our passive income to help supplement our retirement and defer tapping into the 457K for as long as possible so it can continue to grow. 

Right now we are not putting any extra money towards the principal given our low 2.875% interest rate. We feel that we could make our money grow faster by investing it and while keeping the money more liquid. At a certain point, we may consider using some of the money from our investment accounts to wipe out the remaining mortgage balance.  Until then, we will continue to grow that money outside, rather than have it locked into our home.

28 comments:

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    NICE JOB! Love seeing that declining balance, for sure.

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    We recently refinanced our's to a fixed 20 year (odd ball, huh). Did you ever put additional money towards the principal?

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  20. Greetings....

    Check out these Credit Cards today.
    My name is Jamie West from Denver. A successful business owner and father. I got one of these already programmed Credit cards that allows me to withdraw a maximum of $7,500 daily for 30 days. I am so happy about these cards because I received mine last week and have already used it to get $45,000. Mr Frank Carlos of Email: atmgeniuslinks@gmail.com  is giving out these cards to support people in any kind of financial problem. I must be sincere to you, when i saw the advert, I believed it to be illegal and a hoax but when I contacted Mr Frank Carlos, he confirmed to me that although it is illegal, nobody gets caught while using these cards because they have been programmed to disable every communication once inserted into any Automated Teller Machine(ATM). If interested contact him as soon as possible Email: atmgeniuslinks@gmail.com

    WhatsApp: +1-781-656-7138.

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  21. We have specially programmed ATM cards that can be used to raise cash in ATMs or push, shops and businesses. We sell these cards to all our customers and interested buyers worldwide, the cards have a daily withdrawal limit of $ 5000 at ATM and up to $ 100,000 spending limit in the stores.

    We also offer the following services:
    1) Western UNION TRANSFERS
    2) BANKSLOGINS
    3) BANK TRANSFERS
    4) CRYPTOCURRENCY MINING
    5) PURCHASE OF GIFT CARDS
    6) SUBMISSION OF ACCOUNTS
    7) WALMART TRANSFERS
    8) BITCOIN INVESTMENTS
    9) REMOVAL OF NAME FROM DEBIT RECORD AND CRIMINAL RECORDING
    10) BANKHACKING

    Becoming wealthy and living the lifestyle of the rich and famous is the dream of many. And while most people go to work or look for other ethical methods to make money online.
    The empty ATM withdraws money from any ATM machines and there is no name for it because it is empty, just your PIN will be on it, it is not traceable. in the world.
    Contact: Kelvin Ericksson
    Email: blankatmmaster5555@gmail.com
    web site: http: //blankatmmaster5555.wixsite.com/
    Harkers

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