About VisualMortgage

VisualMortgage was built and is maintained by De Van Do, an independent developer with a background in technology. The site grew out of a personal frustration: available mortgage tools were either stripped-down payment calculators with no educational context, or dense financial literature written for professionals rather than homebuyers.

Who built this

The goal was to build something in between -- a site that treats visitors as intelligent adults capable of understanding the math behind their mortgage, presented visually and explained in plain language. De Van Do is not a licensed loan officer, mortgage broker, or financial advisor. VisualMortgage is an independent project, not affiliated with any lender, real estate company, or financial institution. There is no sales team, no lead generation, and no hidden financial relationship with any party whose products are discussed on the site.

This site is also part of a small network of independent calculator properties that includes myloancalcs.com, built by the same developer. Each property is independently maintained and serves its own educational purpose.

How we approach accuracy

Every calculator on VisualMortgage uses standard financial formulas validated against known outputs. The mortgage payment formula, amortization schedule, PMI calculations, and refinance break-even math are each derived from the same mathematical foundations that lenders use -- not approximations or simplified models that produce rounded estimates.

Educational content explains publicly available mortgage rules and mechanics in plain language. Where program guidelines change -- loan limits, DTI thresholds, MIP rates -- content is updated to reflect current information. The publication date on each guide shows when it was written; the accuracy policy describes how content updates are handled.

What VisualMortgage is -- and is not

VisualMortgage is a free educational resource. Every calculator runs entirely in your browser -- no personal data is sent to any server, no account is required, and no inputs are stored or shared. The site does not sell leads to lenders, does not accept payment to feature specific products, and does not have a referral relationship with any mortgage company.

What VisualMortgage is not: a lender, a mortgage broker, a financial advisor, or a licensed professional of any kind. Nothing on this site constitutes financial, legal, mortgage, or tax advice. Calculator results are estimates based on simplified models and the inputs you provide. Your actual loan terms, rate, and costs will be determined by a licensed lender based on your verified financial profile. Before making any mortgage decision, consult with a licensed mortgage professional. If you are a first-time buyer who needs guidance navigating the process, a HUD-approved housing counselor can provide free or low-cost personalized guidance.

How we're funded

VisualMortgage is supported by Google AdSense advertising. Advertising revenue covers hosting and development costs. It does not influence editorial content -- the calculators, guides, and educational material on this site are produced independently of any advertiser relationship. We do not accept sponsored content, paid placements, or affiliate commissions from lenders or real estate companies.

Get in touch

Questions, corrections, or feedback? We read every message. If you have found a factual error, a calculation discrepancy, or a topic you would like to see covered, reach out -- it helps make the site better for everyone. You can also email us directly at hello@visual-mortgage.com.

VisualMortgage is an independent educational resource. Content is for informational purposes only and does not constitute financial, mortgage, legal, or tax advice.