Debt|Done|Date.

The Debt|Done|Date. Blog

Plain-language guides on getting debt-free faster.

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Refinancing vs. Paying Extra: Two Roads to Lower Mortgage Cost
May 31, 2026

Refinancing vs. Paying Extra: Two Roads to Lower Mortgage Cost

Refinancing gets all the attention, but paying extra principal is a powerful alternative. Here's how to think through both options clearly.

Escrow, Explained: Why Your Mortgage Payment Keeps Changing
May 25, 2026

Escrow, Explained: Why Your Mortgage Payment Keeps Changing

Your mortgage payment went up — but your interest rate didn't change. Here's what escrow accounts actually do and why your payment shifts every year.