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Mortgage Payment Calculator
Calculate monthly payments, total interest, and amortization schedules. Compare different loan scenarios and rates.
Calculate NowYour trusted source for current mortgage rates and expert guidance
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Mortgage Rates Resources - Tools, Guides & Expert Advice
Access our comprehensive collection of mortgage rates resources, tools, calculators, and expert guides. Everything you need to make informed decisions about home financing, from estimating payments to comparing lenders and understanding market trends.
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Mortgage Calculators & Tools
Interactive tools to plan your home purchase
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Affordability Calculator
Determine how much house you can afford based on income, debts, and down payment. Get a realistic price range.
Check Affordability📊
Refinance Calculator
Calculate potential savings from refinancing. Compare current loan to new rates and see break-even point.
Calculate Savings📈
Rate Comparison Tool
Compare current mortgage rates from multiple lenders. Find the best rate for your loan type and location.
Compare Rates💰
Points Calculator
Should you buy discount points? Calculate whether paying upfront fees makes sense for your situation.
Analyze Points📅
Amortization Schedule
View complete payment breakdown over loan life. See how principal and interest change over time.
Generate ScheduleEducational Guides & Articles
In-depth resources to master mortgage rates
📚 Essential Reading
- →Complete Beginner's Guide to Mortgage Rates
Master the fundamentals in our comprehensive handbook
- →2026 Mortgage Rate Forecast
Expert predictions and market analysis for the coming year
- →30-Year Fixed vs ARM: Which Saves More?
Detailed comparison of loan types and scenarios
- →How to Get the Lowest Mortgage Rate
Proven strategies to secure the best possible rate
🎯 Decision-Making Resources
- →When Will Mortgage Rates Drop?
Expert analysis on rate timing and market indicators
- →Mortgage Rate Trend Analysis
Historical data and visualization of rate movements
- →Best Refinance Rates & Strategies
When and how to refinance for maximum savings
- →Global Mortgage Rates Comparison
International markets and rate differentials
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Government Resources & Programs
Official information and assistance programs
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Federal Housing Administration
FHA loans with low down payments and flexible credit requirements for first-time buyers.
Visit HUD.gov →🎖️
Veterans Affairs
VA loans with zero down payment and no PMI for eligible veterans, service members, and spouses.
Visit VA.gov →🌾
USDA Rural Development
USDA loans for rural home purchases with 100% financing and reduced mortgage insurance.
Visit USDA.gov →🏠
FHFA
Federal Housing Finance Agency oversight of Fannie Mae, Freddie Mac, and federal home loan banks.
Visit FHFA.gov →📋
Consumer Financial Protection Bureau
CFPB tools and resources for mortgage consumers, including loan estimate explainer and rate checker.
Visit ConsumerFinance.gov →💼
Making Home Affordable
HARP replacement programs and foreclosure prevention assistance for struggling homeowners.
Visit HMPAdmin.com →Lender Directory & Resources
Find and compare mortgage lenders
Types of Mortgage Lenders
🏦 Banks & Credit Unions
- • Traditional banks (Chase, Wells Fargo, Bank of America)
- • Credit unions (often offer competitive rates)
- • Community banks (local service, flexible terms)
- Pros: Established, full-service, in-person support
- Cons: Stricter requirements, potentially higher rates
🌐 Online Lenders
- • Direct lenders (Quicken Loans, Better.com)
- • Marketplaces (LendingTree, Zillow)
- • FinTech platforms (Rocket Mortgage, SoFi)
- Pros: Fast approval, competitive rates, convenient
- Cons: Less personal, technology-dependent
🤝 Mortgage Brokers
- • Independent brokers access multiple lenders
- • Wholesale lending channels
- • Specialized loan programs
- Pros: More options, personalized service
- Cons: Broker fees, varying quality
🏢 Direct Mortgage Lenders
- • Non-bank mortgage companies
- • Wholesale lenders funding through brokers
- • Specialized lenders (jumbo, investment property)
- Pros: Focus on mortgages, competitive rates
- Cons: Limited banking services
Downloadable Resources
Free guides and checklists for your mortgage journey
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Mortgage Application Checklist
Complete list of documents needed for your mortgage application
PDF Download📊
Rate Lock Worksheet
Track rate quotes and compare lender offers effectively
PDF Download📝
First-Time Buyer Guide
Comprehensive guide for first-time homebuyers
PDF Download💡
Refinance Decision Tree
Interactive guide to decide if refinancing makes sense
PDF DownloadProfessional Help & Services
When to seek expert mortgage guidance
🤝 Housing Counselors (HUD-Approved)
Free or low-cost counseling from HUD-approved agencies can help you understand your options, avoid predatory lending, and navigate the homebuying process. Especially valuable for first-time buyers and those facing financial difficulties.
⚖️ Real Estate Attorneys
In some states, attorneys handle real estate closings. Even where not required, legal counsel can review loan documents, explain complex terms, and protect your interests. Consider for complex transactions or investment properties.
📊 Financial Advisors
A qualified financial advisor can help you understand how a mortgage fits your overall financial plan, including retirement goals, investment strategy, and tax implications. Look for advisors with mortgage planning experience.
Need More Help Deciding?
Our resources are here to guide you through every step of the mortgage process. Whether you're buying your first home or refinancing an existing loan, we have the tools and information you need.