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|

Advertising & Affiliate Disclosure

Complete transparency about how we fund our free tools and maintain editorial independence.

πŸ”‘ Key Takeaway

Our calculators are 100% free and unbiased. We earn revenue only when you choose to click affiliate links and complete applications with partner lenders. This never affects calculator results, rate data, or editorial recommendations.

How We Make Money

Mortgage Calculator Pro is a free resource funded through two primary channels:

1. Affiliate Commissions (Primary)

When you click a link to a partner lender (e.g., for a rate quote or pre-approval) and complete an application, we may receive a referral fee. This comes from the lender's marketing budget β€” never from your pocket.

2. Display Advertising (Secondary)

We display Google AdSense ads on some pages. Advertisers bid for placement through Google's auction. We do not control which specific ads appear.

Our Affiliate Partners

We partner with a select group of mortgage lenders, marketplaces, and financial service providers. Current and past partners may include:

  • National mortgage lenders (banks, credit unions, direct lenders)
  • Mortgage marketplaces (LendingTree, RateGenius, Bankrate partners)
  • Mortgage insurance providers (PMI, MIP)
  • Home insurance comparison services
  • Credit monitoring and improvement services

Partner selection criteria: Competitive rates, transparent fees, strong customer service ratings, regulatory compliance, and positive user feedback.

What Affiliate Links DO NOT Affect

βœ“
Calculator algorithms & results β€” Math is math. Your inputs determine outputs.
βœ“
Rate data accuracy β€” Rates sourced from Freddie Mac, MBA, Federal Reserve.
βœ“
Editorial content & guides β€” Written for users, not partners.
βœ“
"Best of" rankings & comparisons β€” Based on objective criteria, not commissions.

How Affiliate Links Are Identified

We clearly mark affiliate relationships in three ways:

  1. Visual indicators: Buttons/links to partners use distinct styling (e.g., "Get Rate Quote β†’")
  2. Hover tooltips: "Affiliate link β€” we may earn a commission"
  3. Page-level disclosure: This page linked in footer and near affiliate-heavy content

Google AdSense & Display Ads

We use Google AdSense to display relevant advertisements. Google determines ad content based on your browsing history, page context, and advertiser bids. We do not:

  • Select individual advertisers
  • Endorse advertised products or services
  • Control ad targeting beyond category exclusions (no gambling, adult, deceptive)

You can opt out of personalized ads via Google Ad Settingsor install an ad blocker β€” our calculators will continue to work perfectly.

Your Rights & Choices

  • Use all calculators 100% free, no tracking of your inputs
  • Decline affiliate links β€” go directly to lender websites
  • Opt out of personalized ads (see above)
  • Request data deletion per our Privacy Policy
  • Report misleading affiliate practices via Contact

Compliance & Standards

We comply with:

  • FTC Endorsement Guides (16 CFR Part 255)
  • Google AdSense Program Policies
  • Affiliate network terms (CJ, Impact, ShareASole, etc.)
  • State consumer protection laws

Contact Us About This Disclosure

Questions about our affiliate relationships or advertising practices? Email disclosure@sxhrxx-mortgage-pro.comor use our Contact form.