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Dawgen borrower advocacy

Time for a Fair Deal: Ending the Era of Front-Loaded Mortgage Interest

When Fairness is Deferred, So is Prosperity The dream of homeownership should be a step toward stability, equity, and financial freedom—not a slow march through a system designed to serve lenders first and borrowers last. Yet in much of the world, and certainly across the Caribbean, the traditional mortgage model unfairly prioritizes institutional profits over...

Mortgage Amortization Practices: A Call for Government Action to Protect Borrowers

The Hidden Truth in Mortgage Payments In the global financial landscape, homeownership is championed as a cornerstone of personal wealth and stability. Yet, beneath the surface of mortgage contracts lies a critical issue affecting millions of borrowers: the unfair allocation of mortgage payments between interest and principal. This seemingly technical matter—amortization—has profound financial implications. It...

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