About Mortgage Draw

Mortgage Draw is an independent, free resource that helps homeowners and buyers understand the numbers behind a mortgage.

What we do

Mortgage Draw publishes free, easy-to-use mortgage and refinance calculators alongside plain-English guides. Our goal is simple: help you see the real trade-offs in a mortgage decision — your payment, your savings, your break-even point, your borrowing power — without jargon, sales pressure or a sign-up form. Every tool runs entirely in your browser and gives you an answer in seconds.

Who we are

We are an independent team of writers and builders with a background in personal finance and web technology. We are not a lender, a mortgage broker, or a financial-advisory firm. We do not originate loans, take applications, or sell leads. That independence lets us explain the math honestly — including when refinancing or borrowing is not a good idea.

How we keep figures accurate

Our calculators use the same standard, well-established formulas that lenders use — loan amortization, interest-only payments, loan-to-value ratios, and program-specific fees such as the VA funding fee and USDA guarantee fee. We review our methodology and the fee figures we cite periodically (last reviewed June 2026) and note where rules can change. Where a topic is complex or regulated — like reverse mortgages — we say so clearly and point you to the official program and a licensed professional.

Our promise on accuracy and advice

The results our tools produce are estimates for general information only. They are not financial, tax, or legal advice, and they cannot account for your full personal circumstances or the exact terms a lender will offer you. We always encourage you to confirm any number with a licensed mortgage professional before making a decision. Read our full disclaimer for details.

How we stay free

Mortgage Draw is supported by advertising. We may display ads (for example, through Google AdSense) and, in the future, may link to relevant services. Advertising never influences the math in our calculators or the guidance in our articles. You can learn how we handle data and cookies in our Privacy Policy.

Get in touch

Found an error, have a question, or want to suggest a calculator? We would genuinely like to hear from you — visit our contact page.