About HomeRates.ai

Last Updated: January 2026

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HomeRates.ai is an independent educational platform built to help consumers and professionals better understand mortgage concepts, affordability factors, and real-world financing tradeoffs. It is designed to answer questions, explain terminology, and make complex topics easier to understand before any formal conversation with a mortgage lender.

What HomeRates.ai Is

  • A general mortgage education and literacy tool that explains how things like DTI, DSCR, down payments, equity, and monthly payments work in principle.
  • A way to explore “what if” scenarios in a conceptual, hypothetical way so users can ask better questions when they speak with a licensed mortgage professional.
  • A modern alternative to static FAQs, brochures, and mortgage glossaries.

What HomeRates.ai Is Not

  • It is not a mortgage lender, broker, or bank.
  • It does not provide real-time rate quotes, official loan terms, or approvals.
  • It does not act as a loan application system and does not submit information to any lender.
  • It does not replace the role of a licensed mortgage professional or required disclosures under federal or state law.

How It Should Be Used

HomeRates.ai is intended to be used as a starting point for learning and preparation. Users should:

  • treat all outputs as general education only,
  • verify important details directly with a licensed mortgage lender,
  • consult appropriate financial, legal, or tax professionals before making decisions.

Independence from Mortgage Lenders

HomeRates.ai is not operated on behalf of, endorsed by, or affiliated with any specific mortgage lender or mortgage company. References to “any mortgage lender” within the app are generic and do not indicate a partnership or sponsorship.

More Information

For full details, please review the Terms & Disclosures and Privacy & Data Policy.