Hi — I'm the person behind The Mortgage Ledger.

I build this on my own. There's no big company here, no call center, and no sales team — just one person who wants to help people reach their home goals by making the numbers clear.

Buying a home is the biggest financial decision most of us ever make, and the math behind it is often confusing and a little scary. My goal is simple: educate and help. If you can see exactly what your monthly payment would be — and understand why — you can make a calmer, more confident decision.

What I promise you

• It's free, and it stays free. The site is supported by ads, not by selling you anything.
• I have nothing to sell you.There are no lenders paying me to steer you toward them — so the numbers you see aren't bent to anyone's benefit but your own.
• I show my work.Rates come from named, official sources (the U.S. Federal Reserve's FRED and the Bank of Canada), and the exact formulas are on the “How we calculate” page.
• Your numbers stay yours.The calculator runs in your browser; the figures you type aren't sent to or stored on a server.

An honest word

Everything here is an estimate to help you plan — not financial advice or a loan offer. When you're ready for exact, binding numbers, a lender will give you an official Loan Estimate. Until then, I hope these tools help you feel a little more in control of the journey to your home.

— The Mortgage Ledger