About LoanSHelper.ai

LoanSHelper.ai is an independent set of loan and mortgage calculators built around one idea: a borrower should be able to answer "what does this cost me?" with their own numbers in under a minute, and send that answer to whoever needs to see it. We are not a lender, broker or advisor, and we do not take your data — every calculation runs in your browser.

LoanSHelper.ai is operated by Frontier Oak Property Holdings LLC. We also run a family of free calculator and guide sites: DateWiseAI (dating profile and conversation tools), SmartDataAI (spreadsheet and data tools), CryptoTaxAI (crypto tax calculators and IRS guides), GlobleMatch (international connection tools and guides), OpenTenCor (GPU pricing comparisons), ResumeScorePro (ATS resume checker) and Agents Fair (an AI agent hiring fair).

Where the numbers come from

• Mortgage rates: Freddie Mac's Primary Mortgage Market Survey (PMMS), published every Thursday. We update Rate Watch and the calculators' default rate the same day and show the survey date on every page that uses it.
• Policy rates: Federal Reserve FOMC statements and minutes.
• Program rules: HUD/FHA handbooks, the Department of Veterans Affairs, Fannie Mae and Freddie Mac selling guides, and the Consumer Financial Protection Bureau. Where lenders' own overlays vary, we say so.
• Everything else — payments, APRs, amortization — is computed with standard formulas you can verify by hand; the formulas are visible in the page source.

Every guide on this site is written and reviewed by the LoanSHelper.ai editorial team. When we cite a rate or a program rule, we cite the source and the date we checked it. When a page works an example, the example is labelled as one, with its inputs, source and date stated on the page.

How the calculators work

Payments use the standard amortization formula. PMI is estimated at 0.75% of the loan per year when the down payment is under 20%. APR is solved numerically from the net proceeds and contractual payment, the same way a lender's disclosure is computed. The DTI calculator's "maximum loan" assumes 43% back-end DTI and that about a quarter of the housing payment goes to taxes and insurance; it is a planning estimate, not an approval. The full Methodology page lists every formula, data source and limitation in one place.

How the site makes money

Two ways, both disclosed on the page where they appear: display advertising, and affiliate links to loan marketplaces in the "next step" box under each result. If you click one and apply, the marketplace may pay us a commission. It does not change your rate or our calculations, and the next-step text is written from your numbers, not from who pays — including telling you not to refinance when the math says so.

Corrections

If a figure is wrong or out of date, tell us. We correct the page and note the change.