Mortgage disclosures
Understand what these results do—and do not—mean.
Prepared October 2, 2026.
No universal best offer
A lower payment does not necessarily mean a lower total cost. The tool presents separate measures and tradeoffs, not a composite score, approval decision, or market-wide best-rate claim.
Estimate assumptions
Calculator starting values are fictional examples. PMI, FHA insurance, VA funding fees, taxes, insurance, maintenance, and other amounts may differ in your situation. The VA fee switch is your assumption, not verification of an exemption. Confirm applicable fees and exemptions with the lender.
Projection limits
Calculator interest projections assume fixed rates and monthly payments. The annual table includes chosen extra principal payments and excludes taxes, insurance, and other ownership costs. Mortgage-insurance estimates do not model a lender-confirmed cancellation schedule. Points recovery measures monthly-payment recovery, not complete economic break-even.
Loan Estimate comparisons
Ranked comparisons require supported structures and confirmed comparable inputs. Upfront financing cost differs from total closing costs and cash to close. A lower cost at one payoff horizon may not remain lower at another. Verify rate locks, lender-credit conditions, and quote availability directly with your lender.
No certification
The site does not certify regulatory compliance, legal entitlement, lender approval, document authenticity, or the suitability of a loan for you.
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