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. Everything on this site is educational; nothing on this site is financial, tax, or legal advice.

Who maintains the content

Long-form articles and calculator copy are maintained by the Mortgage Well Editorial Team. Calculator logic — the formulas, the assumptions, and the engine that produces every number — is reviewed for accuracy and clarity by the Mortgage Well Calculation Review Team. Both are internal teams within the independent product/software team that builds Mortgage Well.

Reviewed pages display a visible "Reviewed by" signal with the team name and the last-updated date. We do not claim "expert review" or "endorsed by" — those phrases require a real named expert, and we attribute review work to the team rather than to a named individual. If a real named reviewer is added in the future, this page will name them and JSON-LD will reflect them as a Person.

How calculator math is sourced

Calculator math comes from standard amortization formulas verified against published examples and golden test fixtures. Formulas, default assumptions, and worked examples are visible on each calculator page so readers can audit the math themselves. PMI cancellation milestones reflect general conventional-loan rules under the Homeowners Protection Act; they do not predict what your specific servicer will do. Government loan rules (FHA, VA, USDA) change over time and are clearly labeled with the assumption-set version.

How calculator logic is reviewed

• Automated tests — golden-fixture unit tests pin engine output against known-correct values and run on every change.
• Documented assumptions — every assumption is listed on the calculator page, not buried in code.
• Versioned configuration — default rates, PMI rates, tax/insurance estimates, and DTI caps live in versioned config; we bump the version when defaults change.
• Manual review — the calculation review team reviews logic changes for accuracy and clarity before publication.

Updates and date stamps

We bump dateModified on a page when its 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. The reviewed-by block on each calculator and guide page shows the latest review date.

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.
• Rules vary. Mortgage cancellation, recast eligibility, escrow handling, and many other servicing details vary by lender, loan type, state, and borrower circumstances. Our calculators show general rules; your servicer is the authoritative source for your specific loan.

Sources and verification

Calculator and guide pages cite consumer references (CFPB / HUD / Fannie Mae / Freddie Mac) where applicable. Citations are listed in a visible "Sources and references" section near the bottom of each page. External references are categorized as helpful consumer references — they are not regulatory endorsement of our content.

Corrections

If you spot an error — a wrong number, a misleading explanation, or an out-of-date reference — please report it via the contact page. The fastest channel is email at hello@mortgagewell.com. Include the URL, the specific sentence or number, and what you believe the correct value or wording is.

We fix substantive errors quickly, bump the page's last-updated date, and note material corrections in the assumption-set version. We don't silently rewrite history.