Mortgage Mastery - Interactive Financial Literacy Learning Tool

💰 What It Is: An interactive HTML learning resource that reveals the hidden mechanics of mortgages and long-term debt. Students explore real amortization schedules, compare loan strategies, and discover why "affordable monthly payments" can cost hundreds of thousands in interest.

📚 Core Concepts Students Learn:

• Why 80% of early payments go to bank profit (interest), not the house (principal)
• How amortization front-loads interest—the bank gets paid first
• The shocking difference: $155k vs $382k vs $800k+ in interest for the same house
• How to read equity buildup and the "tipping point" when principal finally wins
• Real financial decision-making applicable to cars, student loans, and all debt

🎓 Four Interactive Sections:

Mechanics - Expandable lessons explaining principal vs. interest, amortization, time as a cost multiplier, and equity building

Scenario Lab - Compare three loan types side-by-side (15-year, 30-year, 50-year) with real calculations, pros/cons, and visual interest comparisons

Deep Dive Calculator - Students input loan terms and explore results with live charts, an Equity Time Machine slider (see ownership % at any year), and the Tipping Point breakdown showing when principal overtakes interest

Assessment - 20-question quiz with instant feedback and detailed explanations testing real understanding, not just formula memorization

✅ Why It Works:

• Self-guided with clear explanations and Mission Brief intro
• Students discover concepts through hands-on interaction
• Professional interface mirrors real financial tools
• Makes abstract math visual and concrete
• Built-in grading saves teacher time

💻 How to Use: Download → Open in any browser → Share with students No accounts, no internet needed after download, works on most devices with a web browser.

Perfect for personal finance, consumer math, economics, and life skills courses. 45-60 minute complete lesson.