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What this site is, what it isn't, and what you should rely on it for.
Informational purposes only
The information, calculators, and content on truemortgagecost.com are provided for general informational and educational purposes only. Nothing on this site constitutes financial, legal, tax, or investment advice.
Not a lender or broker
truemortgagecost.com is not a lender, mortgage broker, or financial institution. We do not originate loans, process applications, or facilitate any lending activity. Any mention of loan programs is descriptive only.
Estimates only
All calculator outputs are estimates based on the values you enter and state level averages we publish. Your actual mortgage costs will depend on your credit score, income, debt to income ratio, chosen lender, specific property, local taxes, HOA fees, and other factors we cannot know.
State specific data
Property tax rates, insurance averages, and transfer tax figures reflect state level medians or averages from public sources at the time of the last update. Your specific county, city, Zip code, and property may have very different rates.
Consult professionals
Before making any real estate or mortgage decision, consult with licensed professionals: a mortgage broker or loan officer, a real estate attorney, a certified public accountant, and a licensed insurance agent.
No warranty
We make no warranties, express or implied, regarding the accuracy, completeness, or timeliness of any information on this site. Use is at your own risk.