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Estimates, not quotes

Every figure produced by this site is an estimate based on the inputs provided and simplifying assumptions stated on each page. Property taxes, insurance premiums, PMI/MIP pricing, interest rates and program limits vary by property, borrower, lender and date. Official figures for any real loan appear only on documents issued by a licensed lender, including the Loan Estimate and Closing Disclosure required by US federal law.

Not a lender or advisor

Zorvex Codes is not a bank, lender, mortgage broker, real estate agent, or financial, legal or tax advisor, and is not affiliated with the FHA, VA, USDA, Fannie Mae, Freddie Mac or any lender mentioned in educational content. References to programs and companies are for education only and do not constitute endorsement.

Rates and program information

Interest-rate relationships, conforming limits, funding fees and insurance premiums described on this site reflect publicly available information at the time of writing and change over time. Verify current figures with the relevant agency or lender before making decisions.

Reverse mortgage content

Reverse mortgage (HECM) material is educational. Actual eligibility and proceeds require HUD-approved counseling and a lender's official calculation using FHA principal-limit tables.