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The American mortgage
4 chapters
74 assets
by sloane · 15 jul 2026
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Chapter 1
The birth of the 30-year loan
1
The risky days of early home buying
2
How the Great Depression changed everything
3
The invention of the long-term loan
4
Why mortgage means death pledge
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Chapter 2
How the money actually flows
1
Demystifying the monthly payment
2
The magic of amortization schedules
3
The mystery of the escrow account
4
The power of the down payment
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Chapter 3
The invisible giant in the background
1
Who are Fannie and Freddie
2
Turning house loans into global investments
3
The strict rules of conforming loans
4
What happened in the 2008 crash
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Chapter 4
Navigating your mortgage choices
1
Fixed versus adjustable interest rates
2
The hidden cost of closing fees
3
How credit scores dictate your rate
4
The debate over paying off early
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YOUR GOAL
Master of The American mortgage
