Smart MortgageDecisions

Navigate your mortgage journey with confidence. Get personalized guidance, accurate calculations, and educational insights to make informed decisions about buying, refinancing, or managing your home loan.

For educational purposes only • No financial advice provided

What's Your Mortgage Situation?

Answer a few quick questions to get personalized recommendations and direct access to the tools that matter most to you.

First-Time Buyer

Learning about mortgages and buying your first home

Current Homeowner

Refinancing, paying off faster, or optimizing your mortgage

Just Researching

Learning about mortgages and financial planning

Comprehensive Mortgage Guides

In-depth educational content with interactive tools to help you make informed mortgage decisions at every stage of your journey.

15 min read

First-Time Homebuyer Guide

Complete roadmap for buying your first home, including affordability calculator and step-by-step guidance.

Includes calculator

Beginner friendly

12 min read

Should I Refinance?

Learn when refinancing makes sense with break-even analysis and interactive savings calculator.

Break-even calculator

Current homeowners

8 min read

Mortgage Terms Glossary

Understand common mortgage terminology explained in simple language with real-world examples.

50+ terms explained

All experience levels

10 min read

Fixed vs Adjustable Rates

Compare fixed-rate and ARM mortgages with interactive calculator to find the best option for your situation.

Comparison calculator

Rate comparison

14 min read

Extra Payment Strategies

Learn how additional payments can save thousands in interest and shorten your loan term significantly.

Impact calculator

Save thousands

18 min read

15 vs 30 Year Mortgage

Compare 15-year and 30-year mortgages with payment calculator to understand the long-term financial impact.

Term comparison

Long-term planning

Current National Average Rates

Updated: 11/29/2025

30-Year Fixed

7.12%

Above average rates

15-Year Fixed

6.38%

Moderate rates

5/1 ARM

6.35%

Moderate rates

National average rates from Federal Reserve Economic Data. Individual rates vary based on credit score, down payment, location, and lender. For educational purposes only.

Why Choose Mortgage Advisor AI?

We're not just another calculator site. We're your educational partner in making one of life's biggest financial decisions.

Learn as You Go

Every calculator comes with educational context and explanations to help you understand the "why" behind the numbers.

Personalized Guidance

Get directed to the tools and information most relevant to your specific mortgage situation and goals.

Accuracy You Can Trust

All calculations use industry-standard formulas with transparent methodology and educational explanations.