Komon Lab | Home Equity Architecture & Subordinate Mortgages HELOC vs. Home Equity Loan: How to Tap $100,000+ in Home Equity Without Resetting Your Low Fixed Mortgage Over 80% of outstanding residential mortgages in the United States currently carry fixed interest rates below 5.0%, with tens of millions locked into generational pandemic-era lows between 2.75% … Read more
Komon Lab | Social Security & Federal Disability Law Each year, more than two million Americans file claims for Social Security Disability Insurance (SSDI) under Title II of the Social Security Act. Yet the Social Security Administration (SSA) denies roughly 62% to 65% of initial claims, often due to preventable evidentiary omissions, misunderstanding of the … Read more
Komon Lab | IRS Debt Recovery & Credit Protection The IRS Fresh Start Initiative, expanded in 2012 and updated through subsequent IRS policy changes, is a collection of programs designed to make it easier for taxpayers to pay back taxes and avoid aggressive collection actions like wage garnishments, bank levies, and federal tax liens. If … Read more
Komon Lab | IRS Tax Debt Resolution If you owe the IRS more than you can realistically pay, the Offer in Compromise (OIC) program lets you settle your federal tax debt for significantly less than the full balance owed. The IRS accepts only a portion of the offers it receives, so a complete, well-documented application … Read more
Komon Lab | Federal Student Loans Federal student loan repayment rules changed in 2025 and 2026. The SAVE plan has ended, a new Repayment Assistance Plan (RAP) became available on July 1, 2026, and borrowers with older loans have until July 1, 2028 to choose among the remaining plans. The best option depends on your … Read more
[Research Brief] Banking & Credit | Debt Amortization Modeling When confronting a multi-obligation debt portfolio, borrowers face a fundamental strategic dilemma between mathematical optimization and behavioral psychology. The two dominant structural frameworks for accelerated debt elimination—the Debt Snowball and the Debt Avalanche—approach debt liquidation from opposing operational premises. The Debt Avalanche operates on pure financial … Read more