In this episode of On The House, we delve into the complexities of managing mortgages in Israel with special guest Moises Zach, a renowned mortgage broker. The discussion covers various aspects, such as refinancing, prepayment penalties, and the options available to borrowers facing financial challenges. Moises shares his journey from the diamond industry to becoming a leading mortgage expert and provides practical advice on optimizing mortgage terms for long-term savings. Listeners will also learn about the impact of life events on mortgage payments, the distinctions between different mortgage products, and the specifics of handling unexpected financial changes. Additionally, the episode highlights the importance of maintaining a clean payment history and offers a sneak peek into an upcoming Q&A session on mortgages in Israel. For more information, you can contact Moises Zack at mzack@firstisrael.com.  If you're interested in purchasing property in Israel, visit Buyitinisrael.com to explore new projects, access expert advice, and stay updated on the latest real estate news. For help finding your home in Israel or with any inquiries, reach out to Debbie Goldfischer at debbie@buyitinisrael.com.   The information provided in this podcast is for general informational purposes only and should not be considered legal, financial, or professional advice for any specific transaction. Listeners are encouraged to seek guidance from qualified professionals before making any decisions or entering into transactions based on the content discussed.