About ClearRate

ClearRate is a free, no-signup mortgage payment and affordability calculator for U.S. homebuyers. Every page runs the same calculator — pick a city for defaults tuned to that market, or use the national calculator directly.

We are not a lender, broker, or financial advisor. We don't originate loans, sell your information to lenders, or gate the calculator behind a lead form. The site is supported by display advertising, which is how we keep every calculator free with no account required.

Mortgage rate defaults are sourced from Freddie Mac's Primary Mortgage Market Survey (PMMS), via the Federal Reserve's public FRED database — a national average, not a personalized quote. Always verify current rates and costs with a licensed lender before making a decision.