Learn More About Our Site

This site was founded over a decade ago & offers home buyers an array of useful calculation tools and helpful guides which help them make important financial decisions. People who use our site can learn how to save money on their mortgage, improve their home safety and make better personal finance decisions.

Our site initially began as a single calculator on the homepage. As the site's popularity grew we added calculators for refinancing, home equity loans & lines, state-specific real estate guides, a news blog & other featured content. We also improved the charts on our homepage, made results sharable, added a secure certificate to our website, and adopted an m. version of the homepage calculator in order to improve usability on mobile devices. Each day we think of ways to improve this site. Over the course of a decade plus many small changes have added up to a website that is widely used. User feedback has been crucial to improving the site, so if you have suggestions please send them along!

Many real estate professionals & financial institutions have referred their customers to our website, while others wanted to be able to embed our calculators on their sites. We created a variety of options to syndicate our calculators. We also published an online real estate marketing guide many years ago. It has been updated periodically, though the structure of the web has changed greatly since this site was launched. Some of the big picture changes are:

  • Mobile web usage: A significant share of our users visit this site on mobile devices. We created a mobile version of our homepage with larger fonts on it & no graphs of the loan performance so the usability was strong on cell phones with small screens even under low light. The m. version of our homepage does not have display ads & only has a single rate table at the bottom of the page, which helps users see current local mortgage rates. Most other pages on our website which do not have an m. version use a fluid responsive design that works well on mobile devices. Visitors to the m. version of our homepage can also choose to click through to the full version of the calculator with the loan graphs enabled.
  • The death of Flash: The original version of our calculator used Flash charts. Apple led the mobile web revolution when they released the iPhone & they also promoted the death of Flash in one of the most damning "just the facts" articles ever published. The old Flash charts were replaced with responsive JavaScript charts. RIP to the great Steve Jobs!
  • Web security: Our pages are delivered over a secured connection to ensure user privacy.

We have added many other features to the site including things like a button for sharing calculations, a printer-friendly option to print the results of a calculation, & a variety of more specific calculators to enable things like comparing the amortization of fixed and adjustable mortgages side-by-side. As the web evolves we will keep up with important changes.

Throughout our website there are many tables offering rich data to help prospective home buyers navigate the mortgage market. This data is sourced directly from highly credible resources including the United States Census, The Federal Reserve, or the Home Mortgage Disclosure Act (HMDA). Privacy Policy

If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at .gro.rotaluclacegagtrom@ofni

At, the privacy of our visitors is of extreme importance to us. This privacy policy document outlines the types of personal information is received and collected by and how it is used.

Log Files

Like many other Web sites, makes use of log files. The information inside the log files includes internet protocol (IP) addresses, type of browser, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, track user's movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.

Cookies and Web Beacons uses cookies to store information about visitors preferences, record user-specific information on which pages the user access or visit, customize Web page content based on visitors browser type or other information that the visitor sends via their browser. We offer mobile optimized versions of our pages and use cookies to help serve the calculation results for calculations users perform on our site. Short links which record a specific calculation can be shared among spouses or clients and service providers to show estimated monthly mortgage payments for a specific set of calculations. When these links are shared they do not share the IP address or any other information about the originator.

DoubleClick DART Cookie

.:: Google, as a third party vendor, uses cookies to serve ads on

.:: Google's use of the DART cookie enables it to serve ads to users based on their visit to and other sites on the Internet.

.:: Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL -

Some of our advertising partners may use cookies and web beacons on our site. Our current advertising partners include Google AdSense along with BankRate. BankRate was acquired by Red Ventures on November 28, 2017. Many other ad networks or companies may appear in advertisements on our site through our partnerships with these networks. In the past we have also had relationships with other ad networks including Quinstreet's SureHits & LendingTree via Commission Junction. Whenever we make any changes to our advertising relationships this page will be updated to reflect those changes.

These third-party ad servers or ad networks use technology to the advertisements and links that appear on send directly to your browsers. They automatically receive your IP address when this occurs. Other technologies ( such as cookies, JavaScript, or Web Beacons ) may also be used by the third-party ad networks to measure the effectiveness of their advertisements and / or to personalize the advertising content that you see. For instance, BankRate rate tables show local rate information to help match users to relevant lenders serving their geographic area. has no access to or control over these cookies that are used by third-party advertisers.

You should consult the respective privacy policies of these third-party ad servers ( ) for more detailed information on their practices as well as for instructions about how to opt-out of certain practices.'s privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites.

If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers' respective websites.


Our site has been referenced by numerous popular newspapers like the New York Times & The San Francisco Chronicle along with being referenced by other popular consumer destinations like HGTV. If you have any media inquiries you can contact us at .gro.rotaluclacegagtrom@ofni

We have interviewed many influential voices in personal finance over the years on our blog, however we do not respond to guest post requests or requests to sell links. Those types of emails are immediately flagged as spam and discarded.


Currently we use Google AdSense as our display ad provider. If you advertise with Google AdWords you can use their placement targeting option to advertise on our site and other sites in the Google network.

Our mortgage rate tables are powered by BankRate. Their media kit for advertisers is published at

Use the contact form below if you would like to advertise directly with us. Please note that we require a minimum ad buy of $5,000 in any direct media deal. We are also rather exclusive with which ads we will carry. We have placed relevancy first & have avoided things that tend to annoy users like ads with sounds, or visually distracting "punch the monkey" ads, in-text hover ads, and various forms of automated pop ups, auto-playing videos and the like.

Some prospective advertisers insist they have a powerfully engaging ad for a vital credit monitoring service & suggest we integrate that ad aggressively all over our site as an affiliate offer. If you are an advertiser who is confident your ad converts well you should be able to buy through an ad network which is distributed through Google to test performance & then only come directly to us once you are willing to pre-pay for the ad placement.

Other advertisers wanted to buy a tracking pixel on our site & we have turned down 100% of those offers as we feel it would be a violation of our user's privacy.

I work in the mortgage industry and would like to discuss setting up an advertising partnership. I know it is possible to advertise to users directly on your website which I may be interested in, but I wanted to specifically ask if it would be possible for me to “rent” pixel space on your site.

I'm sure you've done this before, but I would specifically be asking to put a pixel on your website so that I could target your users other places on the internet outside of your website. I think the users of your site are similar to the users of my site, and the ability to target your users on other websites is something that I think could be valuable for my company.

Please know that I'm a serious ad buyer, and I spend 7 figures on advertising deals annually. If you would be open to me testing your users in this Retargeting trial, I would also be interested in buying ads directly on your site.

This test would be easy to set up, as I would just send a Google Retargeting Pixel to your webmaster who could implement it on the back-end. That's it. I would then have the ability to target users of your website in other places and see if my ads resonate with them. I could be willing to pay you a monthly fee for this “pixel space.”

Our site has been successful & growing in popularity for a decade in large part because we put user experience first. We give users the options to turn ads off on our homepage. No page on our site has more than a couple ad units & some sections have no ads. For example, due to the limited screen size of mobile devices we do not show display ads on the m. version of our homepage. We only show a rate table on that page which we feel adds value to the user experience. That rate table is also shown at the bottom of the page to put the calculator front and center.

If you are an ad network which wants to partner with us, we recommend first testing your ads through AdSense or other certified third party networks which are partnered with Google to verify performance and use that as a baseline. We require upfront payments to test any new ad networks, as it doesn't make sense for us to take all the risk, especially if the other ad networks are confident of their performance potential.

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