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Understanding amortization is key to understanding how your mortgage really works. 🧠🏡 Amortization is the breakdown of your monthly mortgage payment — showing how much goes toward interest versus principal over time. Early on, more of your payment goes toward interest. As time goes on, more of that payment starts working in your favor by paying down the loan balance. Knowing this helps you make smarter decisions about extra payments, refinancing, and long-term savings. If you want to feel more
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