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Some people like to gamble and some people do not; usually people know when they are gambling. Example if they are playing Black Jack, betting on horses at the race track, or participating in any "game of chance". However many people end up gambling and they do not even know that they are gambling. The average homeowner who takes out a mortage to purchase a home is gambling.
The institution or person who extends mortgage credit to you is betting that they can earn a profit at your expense. The person who gets a mortgage is betting that they can pay off the loan within a specific amount of time. Depending on the type of loan and the method of repaying the loan anything could go sideways. Things, events, or people that you have absolutely no control over.
We shall discuss some of the ways that a mortgage can go sideways and how to have a house and own it debt free from day one.
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