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Mortgage Calculator Pro
Live Rates
30-Year Fixed6.625%-0.125|15-Year Fixed5.875%-0.063|30-Year FHA6.375%-0.125|30-Year VA6.125%-0.063|5/1 ARM6.125%0.000|7/1 ARM6.250%+0.063|30-Year Jumbo7.125%-0.188|15-Year Jumbo6.625%-0.125|CA Avg6.550%-0.080|TX Avg6.720%+0.050|FL Avg6.680%-0.030|NY Avg6.500%-0.100|PA Avg6.450%-0.050|IL Avg6.580%+0.020|OH Avg6.380%-0.070|GA Avg6.650%0.000|NC Avg6.520%-0.040|MI Avg6.480%-0.060|AZ Avg6.600%+0.030|WA Avg6.420%-0.090|30-Year Fixed6.625%-0.125|15-Year Fixed5.875%-0.063|30-Year FHA6.375%-0.125|30-Year VA6.125%-0.063|5/1 ARM6.125%0.000|7/1 ARM6.250%+0.063|30-Year Jumbo7.125%-0.188|15-Year Jumbo6.625%-0.125|CA Avg6.550%-0.080|TX Avg6.720%+0.050|FL Avg6.680%-0.030|NY Avg6.500%-0.100|PA Avg6.450%-0.050|IL Avg6.580%+0.020|OH Avg6.380%-0.070|GA Avg6.650%0.000|NC Avg6.520%-0.040|MI Avg6.480%-0.060|AZ Avg6.600%+0.030|WA Avg6.420%-0.090|

Our Editorial Team

Meet the experts behind Mortgage Calculator Pro. Every calculator, guide, and blog post is created by experienced mortgage professionals and reviewed by NMLS-licensed specialists.

JC

James Chen

Founder & Senior Mortgage Analyst

James Chen brings over 10 years of experience in mortgage and real estate finance to Mortgage Calculator Pro. Previously an analyst at one of the top 10 US mortgage lenders, he specializes in mortgage rate analysis, loan program comparisons, and home buying strategies. James oversees all calculator algorithms to ensure mathematical accuracy and compliance with CFPB, FHA, VA, and USDA guidelines. His analysis has been referenced by financial planners and real estate professionals nationwide.

Areas of Expertise

Mortgage Rate AnalysisFHA/VA/USDA Loan ProgramsRefinance StrategyHome Buying ProcessAmortization & PITI Calculations

Latest Articles

SM

Sarah Mitchell

Senior Content Editor & Mortgage Specialist

Sarah Mitchell has 8+ years of experience writing about personal finance and mortgages. She previously contributed to Bankrate and NerdWallet, where she developed a reputation for making complex mortgage topics accessible to first-time home buyers. At Mortgage Calculator Pro, Sarah leads content strategy, oversees editorial quality, and ensures every guide, FAQ, and blog post meets our rigorous standards for accuracy and readability.

Areas of Expertise

First-Time Home BuyingMortgage Insurance (PMI/MIP)Credit Score OptimizationDown Payment Assistance ProgramsRent vs Buy Analysis

Latest Articles

NMLS-Licensed Technical Review

All calculator algorithms and educational content on Mortgage Calculator Pro are reviewed by NMLS-licensed mortgage professionals with active lending experience. Our reviewers verify that rate data, loan program details, and financial calculations reflect current industry standards and regulatory requirements.

NMLS = Nationwide Multistate Licensing System. Our reviewers hold active mortgage loan originator licenses and comply with the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act).