About Mortgage Plainly

Mortgage Plainly works out the arithmetic of a home loan in the open. Every calculator shows the formula it uses and the official source for any rule it applies, such as when private mortgage insurance ends or what FHA charges for mortgage insurance. Our guides explain the same rules in plain language, using the Consumer Financial Protection Bureau, HUD, the Department of Veterans Affairs, FHFA, Fannie Mae and Freddie Mac.

We are not a lender or broker and do not offer loans, quotes or advice. We do not show lender ads or take referral fees from lenders. You enter your own interest rate; the only market rate we quote is Freddie Mac's weekly survey average, always with its date.

Who runs the site

Mortgage Plainly is a small independent website run by the Mortgage Plainly editorial team. We are not a manufacturer, retailer, government agency or professional service, and nobody pays us to feature a product or brand. The site launched on Nov 11, 2026.

We do not put names, job titles or credentials on our pages that we cannot back up. Instead, every page shows what it is based on: the formula behind each calculator and a list of the official or reputable sources we checked, with the date we checked them.

How the tools work

Every calculator runs in your browser. Nothing you type is sent to us. Trackers and logs save to your own device (your browser's local storage), so they stay private and disappear if you clear your browser data. There are no accounts.

How the site is paid for

We plan to support the site with advertising in the future. No ads are shown yet.

Some guides contain a small number of clearly marked links to Amazon search results. As an Amazon Associate I earn from qualifying purchases. See our affiliate disclosure.

Get in touch

Corrections and suggestions are welcome on our contact page. Read how we check facts for our standards.