Roger Schlesinger

Read It and Reap. 

The box score is designed to allow you to look at the leaders, in loans, that few borrowers ever take the time to do. The box score will show you how the loans work, how long you work for them and how long it takes for the loans to start working for you. Once you digest the information you can ignore it, file it away for future use or let your impulsive side figure a way to put this information to use for you. The 4 loans that will be featured in the box score are the 30 year fixed, 25 year fixed, 20 year fixed and the 15 year fixed. I have used the current rates for our best borrowers for each loan. The box score will show the payment, the breakdown between principal and interest of the very first payment, the breakdown after 5 years, how long it takes for the principal payment to equal the interest payment and how long to pay off half the loan.

Box Score


Interest Rate

Mo. Payment



Time Factor











61st payment

14 years 3 mo.

25 Year









1st payment

61st payment

9 years 3 mo.

20 Year







1st payment

3 years 9 mo.

15 Year





1st payment

The Halfway Point

30 Year This loan takes 14 years, 3 months to have principal & interest equal. It shouldn't be a surprise that it takes 19 years to pay off half the loan.

Roger Schlesinger

Roger Schlesinger's Mortgage Minute is heard on hundreds of radio stations and daily on the Hugh Hewitt radio show and Michael Medved shows. Roger interacts with his hosts and explores the complicated financial markets in order to enlighten his listeners and direct them along their own unique road to financial freedom.