Disclaimer

Not financial advice

All content published on MyHomeRates.com — including articles, guides, blog posts, calculator outputs, rate information, and any other material — is provided for general educational and informational purposes only.

Nothing on this site constitutes, or should be construed as, financial advice, mortgage advice, legal advice, tax advice, or any other form of professional advice. The information presented does not take into account your individual circumstances, financial situation, objectives, or needs.

Before making any financial decision — including but not limited to taking out a mortgage, refinancing an existing loan, or choosing between mortgage products — you should consult a qualified, licensed mortgage professional or financial advisor who can assess your specific situation.

No lender relationships

MyHomeRates.com is independently owned and operated by Mike Lucas. We have no commercial relationship with any mortgage lender, bank, credit union, broker, or financial institution.

• We do not receive referral fees, affiliate commissions, or any other payment for directing readers to any lender or product.
• No lender pays to appear on this site or to receive a positive mention in any article.
• Lenders or products mentioned in our content are included for educational illustration only.
• Any mention of a specific lender, rate, or product is not an endorsement.

Rate and data accuracy

Mortgage rates, loan limits, qualification thresholds, and other financial figures change frequently. While we make every effort to ensure accuracy at the time of writing, we cannot guarantee that any figure, rate, or statistic on this site is current at the time you read it.

Where rate data is referenced, we link directly to primary sources — including the Freddie Mac Primary Mortgage Market Survey, the Federal Reserve H.15 release, and the Consumer Financial Protection Bureau — rather than publishing static figures that can become outdated. We encourage all readers to verify current rates directly with lenders and authoritative sources before making any decision.

Calculator outputs

The mortgage calculator on this site is provided as an educational tool only. Outputs are estimates based on the figures you enter and standard amortisation calculations. They do not account for:

• Property taxes or homeowners insurance (which are typically included in monthly escrow payments)
• Private mortgage insurance (PMI) premiums beyond the indicative note shown
• HOA fees, closing costs, or other transaction costs
• Your actual credit profile, which will affect the rate a lender offers you
• Lender-specific fees, points, or terms

Calculator results are not a mortgage quote. Only a licensed lender can provide an official Loan Estimate.

Editorial independence and AI assistance

All editorial decisions on MyHomeRates.com — including what topics to cover, how content is framed, what sources are cited, and what risks are disclosed — are made by Mike Lucas, the site's founder and sole editor.

Content on this site is researched and edited by Mike Lucas, with the assistance of AI writing tools. Every article is reviewed before publication. We do not publish content to meet search volume targets without editorial merit — every page exists because we believe it genuinely helps our readers understand the US mortgage market.

External links

This site links to external sources including government agencies, regulatory bodies, and third-party publications. These links are provided for reference and citation purposes. We do not control external sites and are not responsible for their content, accuracy, or availability. Linking to an external source does not imply endorsement of that site or its content beyond the specific data or document referenced.

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• We do not control which specific ads appear on this site.
• The appearance of an advertisement does not constitute an endorsement of the advertiser or their products.
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Limitation of liability

To the fullest extent permitted by law, MyHomeRates.com, its owner, and its contributors accept no liability for any loss, damage, or adverse outcome — financial or otherwise — arising from reliance on any information published on this site. You use this site and its content entirely at your own risk.

Contact

If you believe any content on this site contains an error, is misleading, or requires a correction, please contact us. We take accuracy seriously and will investigate and correct genuine errors promptly.