Disclaimers, Sources & Privacy

The calculators and information on this website are for educational and illustrative purposes only. Results are estimates based on the information and assumptions entered and are not a loan offer, commitment to lend, financial advice or guarantee of eligibility, rates, costs or savings. Actual loan terms, rates, fees, mortgage insurance and qualification requirements vary by borrower, property, lender and loan program. Speak with a licensed mortgage professional for personalized information.

Nothing on this site is an advertisement of specific terms, a rate lock, a pre-approval, or a determination of eligibility. It is also not tax, legal or investment advice.

Payments and balances are produced from standard amortization math applied to the values you enter. Nothing is estimated by an AI model and no result is randomized.

Mortgage insurance is modeled from published pricing structures: FHA charges an upfront premium plus an annual premium that depends on loan-to-value, term and loan amount, while conventional private mortgage insurance is priced from loan-to-value and credit tier and ends once the required equity is reached.

Buy-versus-rent comparisons invest the buyer's cash for the renter at the return you specify, grow rent at the rate you specify, and reduce the owner's proceeds by the selling costs you specify. Changing those assumptions can change the conclusion, which is the point of showing them.

The Ask feature explains mortgage concepts in plain language. It is not permitted to calculate figures: every number it can quote is computed first by the deterministic calculators and passed to it as fixed facts.

It cannot tell you whether you qualify, quote a rate, or determine your program eligibility. Those depend on underwriting, current program rules and a full review of your circumstances.

Market rate references are survey averages published by third parties and are labeled with the date they were published. An average is not a quote, and your rate depends on your credit profile, the property, the loan program, points and the market at the time you lock.

Loan limits, mortgage insurance pricing and program requirements change. Figures used here are labeled with a source and date; confirm current rules for your situation before relying on them.

Calculator inputs stay in your browser. They are stored locally so your numbers follow you between calculators, and they are only transmitted if you submit a request for a review or save a scenario.

Shared and saved scenario links contain only calculator inputs — never your name, email address, phone number, credit details or other personal information.

If you submit a request, the information you provide plus the scenario you were viewing is stored so your questions can be answered accurately. It is used to respond to you, not sold.

We support and comply with the Fair Housing Act and the Equal Credit Opportunity Act. Housing and credit decisions are made without regard to race, color, religion, national origin, sex, familial status, disability or other protected characteristics.

Anil Aggarwal — Realtor® | Mortgage Loan Officer — is a licensed mortgage loan originator (NMLS ID #2678719) with 1st 2nd Mortgage Co. of NJ (Company NMLS ID #115981), 50 Spring St, Cresskill, NJ 07626. Both licenses are verifiable through the NMLS Consumer Access database.

Real estate brokerage and mortgage origination are separate services performed under their own licenses; using one is never a condition of using the other.

Licensed in New Jersey. Services and program availability vary by state and by property location.

RefiYourLoans is not a lender and does not make credit decisions or issue loan approvals. Submitting a form or starting an application does not create an obligation for either party, and no fee is charged for using the calculators or asking questions.

Equal Housing Opportunity. We comply with the Fair Housing Act and the Equal Credit Opportunity Act; housing and credit are offered without regard to race, color, religion, national origin, sex, familial status, disability, age, marital status or the exercise of rights under the Consumer Credit Protection Act.

Sharing this site with someone earns nothing for you and costs them nothing. No fee, gift, discount or other thing of value is given or accepted for referring mortgage business, in keeping with Section 8 of the Real Estate Settlement Procedures Act.

Rates and news shown here come from third-party sources, are provided for education, and are neither an advertisement of terms nor a rate quote, lock or offer of credit. Linked articles are the work of their publishers and are not endorsed by us.

Any specific transaction structure, compensation arrangement or dual-role disclosure will be provided in writing as required by applicable law.

Posts published on Anil Aggarwal's social accounts are educational and are subject to the same disclaimers as this site. Nothing posted there is an offer, a rate quote or an approval, and comments or direct messages are not a secure channel for personal or financial information.

Testimonials and results shown in any post reflect individual transactions and are not a promise of similar outcomes.