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As most economists and financial analysts expected, the Federal Reserve voted to raise its key interest rate once again in a sign of confidence in the U.S. economy. The Federal Open Market Committee announced Dec. 13 that it would raise its target for the federal funds rate by a quarter of a percentage point for a new range of between 1.25 and 1.5 percent.

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Sorting through the math involved in buying a home requires more than a device or app that adds and subtracts. That's why mortgage calculators have proliferated online. They come in many different forms and offer a surprising variety of functions to help us understand the financial implications of buying and owning a home.

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Housing has led the economy. Housing leads the economy. The proof is in the data. 

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