Mortgages & Home Buying Decoded — Everything Explained Like You're Five (Full Marathon)

By Explaining Economics Like You're Five

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Buying a home shouldn't require a finance degree — but somehow the mortgage world speaks a language nobody taught you. In this 43-minute marathon, we decode everything from how mortgages actually work to escrow, points, and the hidden math that makes your loan cost twice what you think. Use the chapters below to jump straight to whatever part is confusing you most. Chapters: 0:00 Mortgages Explained Like You're Five 9:14 Why Your Mortgage Payment Jumped (And Your Rate Didn't Change) 17:36 What "Escrow" Actually Is — Nobody Explains This 25:50 The Hidden Math That Makes Mortgages Cost Twice What You Think 34:26 What "Points" Are on a Mortgage — and Whether Paying Them Is Worth It

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