Michael Chen, CFA
Senior Financial Analyst
Michael Chen is a Chartered Financial Analyst (CFA) with over 15 years of experience in retail banking and mortgage lending. He previously served as a Senior Portfolio Manager at a major investment firm, where he specialized in real estate backed securities. Michael's analysis has been cited in major financial publications including The Wall Street Journal and Bloomberg. At ReadyTool, he focuses on demystifying complex interest rate mechanics and helping homeowners optimize their payoff strategies.
Areas of Expertise
Credentials
- ✓ CFA Charterholder
- ✓ MBA in Finance, Wharton
- ✓ Certified Mortgage Planning Specialist
Articles by Michael (2)
Extra Mortgage Payments: The Math Behind Saving $50,000 or More
Learn exactly how extra mortgage payments save you money, with real calculations showing the impact of bi-weekly payments, lump sums, and the $100/month strategy.
Mortgage Rates 2026: Expert Forecast and Strategies to Save Thousands
A financial analyst breaks down 2026 mortgage rate predictions, refinancing opportunities, and proven strategies to secure the best rate on your home loan.