Welcome to The Edge of the Lab, a weekly technical briefing where we break down complex mortgage variables into actionable advantages for California homebuyers.
Whether we are deconstructing the 80/10/10 piggyback formula or recalibrating your cash flow with a mortgage recast, our goal is to help you master the math behind the move. Explore our articles of technical hacks below to find the strategy that fits your unique homeownership formula.
What is a piggyback mortgage? Learn how the 80/10/10 lab formula helps you buy a home with 10% down while avoiding the high cost of PMI. Discover the technical strategy for splitting your financing to maximize monthly savings.
What is a mortgage recast? Discover how a simple technical re-calibration can lower your monthly mortgage payments without the high cost of a refinance. Learn the “Lab Formula” for using a lump sum to drop your overhead while keeping your low interest rate.
