Optimal Down Payment: The Long-Term Home Loan Cost and Risk Minimization Model: A Consumer’s Guide to Determining an Optimal Down Payment for a Fixed-Rate Mortgage Loan

Optimal Down Payment is the first book solely dedicated to helping millions of consumers (both home and investment buyers) determine an optimal down payment on a real estate purchase based on a new and innovative economic theory called the Long-Term Home Loan Cost and Risk Minimization Model. After reading this book, readers will learn how to: 1) Determine an affordable home price; 2) Calculate an ideal down payment for a fixed-rate mortgage loan, which maximizes long-term interest-cost savings with the least financial risk; and 3) Develop a low-risk plan for paying off a mortgage early without necessarily having to make additional monthly payments to a mortgage bill.

This book is short and concise to help busy home buyers make a well-informed borrowing decision in a short time frame. What’s more, it offers great learning material for students studying economics and finance; and professors looking to connect abstract economic concepts to real life applications.

The Long-Term Home Loan Cost and Risk Minimization Model was first written and unveiled in this book and is intended to pave a path for greater consumer empowerment.