At MortgageRatesChecker, accuracy, transparency, and responsible information sharing guide our approach. Our financial calculators, loan comparison tools, and educational guides are developed and maintained by Ratiranjan Singha using established financial formulas and relevant public data from authoritative sources.
We review relevant assumptions, benchmark data, and calculation methods as needed to reflect changes in interest rates, lending guidelines, regulatory requirements, and market conditions.
Our Primary Data & Regulatory Sources
Depending on the calculator, topic, and region, our tools and editorial content may reference information published by the following institutions:
Government & Regulatory Authorities
- Consumer Financial Protection Bureau (CFPB)
- U.S. Department of Housing and Urban Development (HUD)
- Financial Consumer Agency of Canada (FCAC)
- Financial Conduct Authority (FCA), United Kingdom
Central Banks & Mortgage Rate Publishers
- Federal Reserve System
- Bank of England
- Bank of Canada
- Freddie Mac Primary Mortgage Market Survey (PMMS)
We use these sources where relevant to the calculator or article. The specific sources used should be identified on the relevant page whenever applicable.
Calculation Methods & Assumptions
Our calculators use established financial formulas, including compound interest, loan amortization, repayment calculations, and other methods appropriate to each tool.
Results depend on the inputs and assumptions selected by the user. Estimates may exclude certain lender fees, taxes, insurance premiums, or other costs unless those items are explicitly included in the calculator.
Data Privacy & Handling
Our calculators are designed to help users explore financial scenarios without unnecessarily requesting sensitive personal financial information.
We do not intentionally collect or sell users’ calculator inputs through the calculation tools. Any information collected through website analytics, advertising, affiliate services, or other site features is governed by the applicable privacy disclosures and third-party policies.
Educational Purpose & Limitations
MortgageRatesChecker provides calculators and educational resources for general informational, educational, and scenario-planning purposes. Calculated results are estimates, not loan offers, approval decisions, or guarantees of actual borrowing costs.
We do not issue loans or guarantee approval. Users should confirm current rates, eligibility requirements, fees, and lending terms directly with the relevant lender or official source.
Why Methodology Matters
Transparent formulas, clear assumptions, and relevant source references help users understand how estimates are produced and what those estimates mean. By explaining our methods and identifying relevant public sources, MortgageRatesChecker aims to help users compare borrowing scenarios and make more informed financial decisions.