Editorial Policy

Mortgage decisions involve real money, so we hold the calculators and the text around them to written standards. This page describes those standards.

Accuracy of the math

• All calculators share one amortization library. A change to the math ships only with a test that pins the new behavior.
• Tests compare results with published reference payments (for example, a $200,000 loan at 6% over 30 years has a principal and interest payment of $1,199.10) and with invariants that must always hold.
• Each calculator page states its assumptions: fixed rate, on-time payments, principal and interest only unless noted, and how taxes or fees are treated.

Sources

Statements about loan rules, such as which loans can be recast, cite primary sources where they exist: servicing guides from Fannie Mae and Freddie Mac, and publications from the Consumer Financial Protection Bureau. Where rules vary by servicer, we say so and give the common range rather than a single figure.

Independence

We do not accept payment to change a calculation, a recommendation, or which option a calculator favors. We do not sell or refer loans. If the site carries advertising in the future, ads will be clearly separated from calculator results and will not influence them.

Updates and corrections

• Each page shows the date its content was last updated.
• When we fix an error that could have changed a result or a conclusion, we correct the page and note the correction and its date on that page.
• Readers can report errors through the contact page.

Use of AI tools

We use software tools, including AI assistants, to help write code and draft text. Every formula is verified by tests, and every factual statement is checked against a source before publication. A person reviews each page before it goes live.