# EarlyMortgagePayoff.com

> Free mortgage payoff calculators and strategies for US homeowners who want to eliminate their mortgage debt ahead of schedule.

## What This Site Does
EarlyMortgagePayoff.com provides free interactive mortgage payoff calculators, expert early payoff strategies, and a directory of mortgage lenders. It helps US homeowners calculate exactly how much time and interest they save by making extra payments, switching to biweekly payments, or applying lump sums.

## Key Pages
- Home (/): Hero payoff calculator, tool overview, lender preview, blog
- Calculators (/calculators/): Extra payment, amortization, biweekly, refinance comparison, lump sum
  - /calculators/extra-payment.php
  - /calculators/amortization.php
  - /calculators/biweekly.php
  - /calculators/refinance-vs-payoff.php
  - /calculators/lump-sum.php
- Strategies (/strategies/): Extra payment method, biweekly, lump sum, refinancing, HELOC
  - /strategies/extra-payments.php
  - /strategies/biweekly-method.php
  - /strategies/lump-sum-payoff.php
  - /strategies/refinancing.php
  - /strategies/heloc-strategy.php
- Lenders (/lenders/): Mortgage lender directory with current rates and affiliate CTAs
  - /lenders/best-refi-rates.php
- Blog (/blog/): Payoff tips, tax guides, success stories, strategy deep-dives
- State Guides (/states/): State-specific payoff guides for top 10 US states
- About (/about.php): Site mission and editorial standards
- Contact (/contact.php): Contact form
- Privacy (/privacy.php): Privacy policy
- Terms (/terms.php): Terms of service

## Live Tools
- AI Mortgage Advisor (Claude Sonnet 4): floating chat widget on every page; backend at /api/chat.php

## Structured Data Available
- Sitemap: /sitemap.xml
- Schema: JSON-LD on all pages (Organization, WebSite, FAQPage, BreadcrumbList, Article, WebApplication)
- AEO entry: /AGENTS.md
- Capabilities: /skill.md

## What This Site Does NOT Do
- Does not offer financial advice or act as a licensed financial advisor
- Does not store calculator data on servers (all math runs in-browser)
- Does not provide real-time live rate feeds (rates are indicative)

## Key Facts
- Brand: EarlyMortgagePayoff.com
- Domain: earlymortgagepayoff.com
- Primary service: Free mortgage payoff calculators and strategy guides
- Pricing model: Free tools, AdSense monetization, affiliate commissions, paid lender listings
- Location served: United States
- Contact: contact@earlymortgagepayoff.com