# CalculateYourRate

CalculateYourRate is a free mortgage payment calculator and educational resource for U.S. home buyers. It is not a lender, broker, or loan originator.

## Mortgage calculator

Use the calculator to estimate a monthly payment from:

- Home price
- Down payment percentage
- Annual interest rate
- Loan term
- Property tax
- Homeowners insurance
- Private mortgage insurance (PMI)
- HOA dues

The calculator uses standard amortization math for principal and interest. Results are estimates, not loan offers or guaranteed terms.

## Free buyer resource

The First-Time Home Buyer Checklist covers mortgage readiness, documents to gather, home-search checks, and move-in tasks.

## Educational guides

- [Fixed vs. ARM: Which Mortgage Actually Saves You Money?](/guides/fixed-vs-arm.html)
- [How Your Credit Score Actually Changes Your Mortgage Rate](/guides/credit-score-and-rate.html)
- [How Much House Can I Actually Afford?](/guides/how-much-house-can-i-afford.html)
- [All mortgage guides](/guides/)
- [Mortgage calculator FAQ](/faq.html)

## Business and policies

- [About CalculateYourRate](/about.html)
- [Contact CalculateYourRate](/contact.html)
- [Affiliate disclosure](/disclosure.html)
- [Privacy policy](/privacy.html)
- [Terms of use](/terms.html)

## Contact

- Email: [info@calculateyourrate.com](mailto:info@calculateyourrate.com)
- Telephone: [+1-305-699-6150](tel:+13056996150)
- Location: Okeechobee, Florida 34972, United States
- [Official Facebook profile](https://www.facebook.com/people/Calculateyourratecom/61592567017011/)