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|

Editorial Policy

Last updated: June 2026

1. Our Mission & Editorial Independence

Mortgage Calculator Pro exists to help home buyers and homeowners make informed financial decisions. Our editorial content — calculators, guides, blog articles, and rate information — is created independently and is never influenced by advertisers, lenders, or affiliate partners.

We do not accept payment for favorable coverage. Our calculator algorithms, rate data, and product recommendations are based solely on objective analysis, publicly available data, and user needs.

2. Content Creation Methodology

Calculator Development

All calculators use standard mortgage formulas (amortization, PMI, affordability, DTI) recognized by the CFPB, FHA, VA, and major lending institutions. We validate outputs against multiple authoritative sources before publication.

Rate Data Sourcing

Current mortgage rates are aggregated from: Freddie Mac Primary Mortgage Market Survey (PMMS), Mortgage Bankers Association (MBA) weekly surveys, major national lender published rates, and Federal Reserve economic data. Rates are clearly labeled as averages or estimates, not guaranteed offers.

Article & Guide Production

  • Research: Primary sources (government agencies, regulatory filings, lender disclosures)
  • Expert review: Complex topics reviewed by licensed mortgage professionals
  • Fact-checking: Every statistic, rate, and claim verified against source documents
  • User testing: Calculators tested with real user scenarios before launch

AI-Assisted Content

We use AI tools to accelerate research, outline generation, and first-draft creation.All AI-generated content undergoes human fact-checking, editing, and approval before publication.We never publish raw AI output. Our byline indicates when AI assistance was used in research or drafting.

3. Affiliate & Advertising Disclosure

Mortgage Calculator Pro participates in affiliate programs with select mortgage lenders, insurance providers, and financial service companies. When you click certain links and complete an application, we may earn a commission at no additional cost to you.

Our affiliate relationships never influence:

  • Which lenders appear in our rate tables or calculator defaults
  • The results or recommendations of our calculators
  • Editorial coverage or product reviews
  • Rate rankings or "best of" lists

Affiliate links are clearly marked. We only partner with companies we believe offer genuine value to our users based on rates, terms, and customer service.

4. Corrections & Updates Policy

We are committed to accuracy. When errors are identified — whether by our team, users, or external sources — we follow this process:

  1. Minor corrections (typos, broken links, outdated rates): Updated within 24 hours, noted in page footer
  2. Substantive corrections (calculation errors, factual inaccuracies): Corrected immediately, correction notice added to article top with date and description of change
  3. Major updates (regulatory changes, new loan programs): Full article revision with "Updated" timestamp and changelog

To report an error, contact us via our Contact page. We respond to all correction requests within 2 business days.

5. Expert Contributors & Reviewers

Complex mortgage topics (FHA/VA/USDA guidelines, tax implications, legal considerations) are reviewed by licensed professionals including:

  • NMLS-licensed mortgage loan officers
  • Certified Financial Planners (CFP)
  • Tax professionals (CPA/EA)
  • Real estate attorneys

Reviewer credentials are noted on relevant articles. Reviewers do not receive compensation for their editorial review beyond professional recognition.

6. User-Generated Content

Calculator inputs, shared scenarios, and community comments are user-generated. We do not endorse or verify the accuracy of user submissions. Users are responsible for the accuracy of their own inputs.

7. Contact Our Editorial Team

Questions about our editorial standards, corrections, or contributor inquiries? Email us at editorial@sxhrxx-mortgage-pro.comor use our Contact form.