The mortgage rates shown or discussed on this site are estimates and averages, meant to help you understand the market, not lock in a loan.
What we use to calculate and explain rates
- Market averages from lenders and financial institutions
- Central bank and government-published data
- Standard loan assumptions (credit score ranges, down payments, loan terms)
What affects mortgage rates
- Credit score
- Loan term (15-year vs 30-year)
- Down payment size
- Market conditions
- Location and lender policies
Our mortgage calculator uses standard amortization formulas to estimate monthly payments based on the inputs you provide.
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Think of our tools as planning tools, not loan offers.