Thirty-Year Ledger standards
Editorial policy
Ledger note
Thirty-Year Ledger exists to explain, not to sell. Thirty-Year Ledger compares loan terms over the whole horizon; it never recommends a term.
Last reviewed against the primary sources listed below.
What this site covers
Thirty-Year Ledger covers one subject: choosing a loan term with the whole horizon in view. Recent guides include:
- Can older borrowers get a 30-year mortgage? Age and loan term
- Loan term and refinancing later: resetting the clock
- Are 10-year and 20-year mortgages worth considering?
- Where to compare loan terms on the Loan Estimate
- Thirty-year loan with extra payments vs a fifteen-year loan
- Choosing a loan term that ends before retirement
What we never publish
- Quotes, rates or payment examples presented as offers.
- Reviews, endorsements or ratings of any company.
- Forms that collect personal information.
Independence
No company pays for placement here, and no lender is ranked or recommended.
Corrections
Errors are fixed in place, and the review date changes when they are.