PrimeMortgageCalc provides free, accurate mortgage calculators to help you understand the true cost of homeownership. Our tools are used by hundreds of thousands of home buyers, real estate professionals, and financial advisors every year.
Our Mission
We believe everyone deserves access to transparent, accurate mortgage information. Our calculators are designed to give you a clear picture of your monthly payments, total costs, and payoff timeline - so you can make confident decisions about your home purchase. We update our calculations regularly to reflect current market conditions and lending practices.
Our Expertise
Our team includes mortgage professionals, financial analysts, and software engineers dedicated to providing the most accurate calculators on the web. We source our methodologies from leading financial institutions and regularly review our calculations with industry experts.
We use real market data and standard financial formulas
All calculations happen locally in your browser
Regularly tested against major lender calculators
Why Trust Us
Accuracy First
Our calculations use standard mortgage formulas and are regularly verified by financial professionals. We benchmark against major lenders to ensure accuracy.
Privacy Focused
All calculations happen in your browser. We never collect or store your financial data. No account required, no tracking.
Always Free
Our calculators will always be free. No signup, no credit check, no hidden fees. We're funded by partnerships, not user data.
Contact Us
Have questions or suggestions? We'd love to hear from you.
Business Address: PrimeMortgageCalc, 1603 Capitol Ave, Suite 310, Cheyenne, WY 82001
Phone: (307) 555-1234
We typically respond within 24-48 hours.
Editorial Standards
Every calculator and guide on PrimeMortgageCalc follows a documented editorial process designed to produce accurate, unbiased, clearly explained financial information.
Methodology First
Every calculator is built from publicly documented formulas (e.g., the standard amortization equation for loans, HUD guidelines for FHA loans, VA's published funding fee schedule). We cite our sources and explain our assumptions.
Reviewed Before Publication
Each calculator and guide is reviewed against at least two independent reference points — major lender calculators, government agency publications (HUD, VA, USDA, CFPB, IRS), or industry-standard texts — before being published.
Regularly Re-Verified
Financial rules and tax limits change. We review published pages on a recurring schedule and update them when federal loan limits, conforming limits, FHA/VA/USDA program rules, or tax provisions change.
Plain-Language Disclosures
We clearly mark estimates, state assumptions, and disclose that our tools are for informational purposes only. We never claim to be a lender or to provide personalized financial advice.
No Conflicts of Interest
We do not sell leads to lenders, do not receive payment based on which product a user chooses, and do not promote specific lenders. Our funding comes from advertising, which is clearly separated from editorial content.
Editorial Independence
Advertisers and partners do not see, edit, or approve our calculators or guides. Our editorial decisions are made solely by our content team.
Who Writes Our Content
PrimeMortgageCalc content is produced and reviewed by people with backgrounds in mortgage lending, financial planning, residential real estate, and software engineering. Our contributors have worked inside the U.S. mortgage industry and are familiar with FHA, VA, USDA, conventional, jumbo, and non-QM loan products, as well as the closing process and RESPA/TRID disclosures.
Sarah Mitchell
Senior Mortgage Analyst
Sarah has 12 years of experience in residential mortgage lending and has underwritten over $2B in home loans. She specializes in FHA, VA, and conventional loan programs.
James Carter
Financial Content Editor
James is a Certified Financial Planner and former licensed loan officer with 8 years in the mortgage industry. He reviews all educational content for accuracy and compliance.
Editorial contact: For corrections, methodology questions, or content suggestions, email editorial@primemortgagecalc.com. For the full methodology behind our calculators, see How We Calculate. For the legal disclaimer covering our tools, see Disclaimer.
How We Make Money
PrimeMortgageCalc is funded by advertising and affiliate partnerships. We may earn a commission when visitors click on certain outbound links to lender or real estate partner sites, at no extra cost to you. This compensation does not influence our calculators, our rankings, or our editorial content. Advertisements are clearly labeled and visually separated from editorial content. See our Privacy Policy for details.
Disclaimer
PrimeMortgageCalc provides general information and calculators for educational purposes only. The results are estimates based on standard mortgage formulas and current market rates. Actual loan offers from lenders may vary based on your credit score, debt-to-income ratio, and other factors. Always consult with a licensed mortgage professional before making financial decisions.
Ready to Calculate?
Start with our free mortgage calculator to get accurate estimates in seconds.
Get Started