APR

Why APR matters so much when it comes to your debts.

Annual percentage rates (APR) may not seem like such a big deal. After all the difference between a 4.25% and 5% APR may not seem that significant, but when it comes to how much money you end up paying on your debts it’s significant. For instance, that less than 1% difference in interest on a 30-year fixed rate mortgage for $150,000 means your payments would jump from $737.91 to $805.23 and total interest paid would increase from $115,647.54 to $139,883.68. So yes, interest rates matter and here’s what you need to know about keeping your rates low…

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