The ones people actually ask.

No. It is a fictional lender invented to demonstrate a website template. It holds no license in any state, has no NMLS identifier, has never made a loan, and cannot make one. The address is invented, the phone number is inside the 555-0100–555-0199 block reserved for fiction, and the email domain ends in .example, which is reserved so it can never be registered.

There are no rates on this site in the sense you mean. The calculators take whatever rate you type; the defaults are deliberately round numbers so it is obvious they are examples. Nothing here is a quote, an APR offer, or a commitment to lend. Real pricing depends on credit, property, occupancy, loan size, program and the market on the day, and only a licensed lender can give it to you.

No. Every form on this site validates in your browser, shows you the confirmation a working form would show, and then discards what you typed. There is no server, no database and no third-party form service. Nobody will call you. Each form has a single documented function in the source where a real webhook would be connected.

Up to six preference values in your browser: theme, color scheme, text size, contrast, link style and motion. They are written only if you accept in the storage notice, and declining deletes anything already stored and keeps your choices in memory for the session instead. There are no cookies, no analytics and no third-party scripts of any kind.

Because most of them only show principal and interest. The payment page here adds property tax, homeowner’s insurance, HOA dues and mortgage insurance, because that is what actually leaves your account each month. Principal and interest is usually somewhere between 70% and 85% of the total.

Yes. Every input is written into the page address as you change it, so copying the link and sending it reopens the calculator with exactly your numbers. The share section on each calculator has a copy button, plain share links for the usual networks, and a mailto: link that genuinely works.

They are the same schedule at two resolutions. The month view is one row per payment — 360 of them on a thirty-year loan. The year view rolls twelve payments into one row and carries the running interest total forward. Use the year view to see the shape and the month view to check a specific payment.

Because that is the actionable part. If the back-end debt ratio is what stops you, paying off a car loan moves your budget more than saving another five thousand dollars. If the down payment is what stops you, the reverse is true. A price with no reason attached tells you nothing about what to do next.

The percentages are. The VA funding fee tiers are the ones published for loans closed on or after 1 April 2023, and the FHA upfront premium of 1.75% is HUD’s. Those are facts about the programs, not claims about this site. The dollar figures they produce are still illustrations of your inputs, and eligibility for either program is determined by the VA and HUD, not by a calculator.

A pre-qualification is a conversation and an estimate: you state your income and debts, and a lender tells you roughly what that supports. A pre-approval is the same exercise after somebody has actually verified income, assets and credit. Listing agents treat the second one seriously and the first one politely.

On a conventional loan, it must be cancelled automatically when the balance reaches 78% of the original value, and you can usually request cancellation at 80%. On most FHA loans with less than 10% down, the annual premium runs for the life of the loan — refinancing out of it is the usual exit. VA loans have no monthly mortgage insurance at all, only the one-off funding fee.

No — it shortens the loan. The required payment is fixed at closing and does not fall because you are ahead. What extra principal buys is time and interest: the balance falls faster, so less interest accrues and the loan ends sooner. Some servicers also offer recasting, which does lower the payment, usually for a fee.

The rate is the cost of the money; the APR folds the cost of getting the loan — points, origination, some fees — into a single annualised number so two offers can be compared. APR is not perfect: it assumes you keep the loan for the whole term, which most people do not.

Almost always documents, and almost always documents that were requested and not returned. Appraisals and title work take as long as they take, and both can produce surprises. Nobody can promise a date, which is why this site never prints one.