$
TruePITI
Benchmark Rates
30-Year Fixed7.32%PMMS 10/22|15-Year Fixed6.68%PMMS 10/22|30-Year FHA7.13%MBA 10/17|30-Year Jumbo7.33%MBA 10/17|5/1 ARM6.46%MBA 10/17|30-Year Fixed7.32%PMMS 10/22|15-Year Fixed6.68%PMMS 10/22|30-Year FHA7.13%MBA 10/17|30-Year Jumbo7.33%MBA 10/17|5/1 ARM6.46%MBA 10/17|

Who Creates TruePITI Content

TruePITI's calculators and guides are produced through our own internal research and editorial process. We do not currently claim review by licensed mortgage professionals or any third-party credentialed expert.

How our content is built

  • Primary-source research. Rates, loan limits and fees are traced to the issuing agency — Freddie Mac PMMS, FHFA, HUD, VA, USDA, the CFPB and official state pages. Estimates and rules of thumb are labeled as such.
  • Stated methodology. Every calculator documents its formula, assumptions and limitations on the page itself — see Methodology.
  • Public data sources. Every data provider we use is listed on our Sources page.
  • Calculation verification. Financial math is implemented once in a shared engine and checked with automated tests, then cross-checked against independent math.
  • Scheduled updates. Time-sensitive pages carry a build date and are revisited on a set schedule. We do not stamp fake freshness dates.
  • Corrections. When we get something wrong we fix it and log it on the corrections page.

What we do not claim

  • TruePITI does not currently claim review by licensed mortgage professionals.
  • No team member is presented as a licensed mortgage originator, broker, loan officer or financial advisor.
  • No article carries an "expert-reviewed" label. An external credentialed review program is planned, and no such claim will appear until it genuinely exists.
  • TruePITI is an independent educational publisher — not a lender, broker or advisor.

Questions or corrections: contact us or email admin@truepiti.com.