Editorial policy

Goal

Help people understand mortgage math well enough to make their own decisions and to ask better questions of the lenders, planners, and tax professionals they actually hire.

Sourcing

Calculator math comes from standard amortization formulas verified against published examples and golden test fixtures. PMI cancellation milestones reflect general conventional-loan rules under the Homeowners Protection Act; they do not predict what your servicer will do. Government loan rules (FHA, VA, USDA) change over time and are clearly labeled with the assumption set version.

Review

Calculator pages are reviewed for calculation accuracy and clarity by our calculation team. Long-form guide articles are reviewed for editorial accuracy by our editorial team. The reviewer name and last-update date appear on every reviewed page.

Updates

We bump dateModified when content meaningfully changes. We bump the assumption-set version when default rates, PMI rates, tax/insurance estimates, or DTI caps change. Trivial typo fixes don't bump either.

Boundaries

• We provide educational estimates, not financial, tax, or legal advice.
• We do not produce official Loan Estimates or Closing Disclosures.
• We do not recommend specific lenders.
• We disclose any sponsorship or affiliate relationship if and when it exists.

Corrections

If you spot an error, email hello@mortgagewell.com. We fix substantive errors quickly and note material corrections in the page's assumption-set version.