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TruePITI
Live Rates
30-Year Fixed6.710%+0.050|15-Year Fixed6.040%+0.060|30-Year FHA6.460%+0.050|30-Year VA6.210%+0.040|5/1 ARM6.210%+0.040|7/1 ARM6.340%+0.050|30-Year Jumbo7.210%+0.050|15-Year Jumbo6.710%+0.060|CA Avg6.650%-0.080|TX Avg6.700%+0.050|FL Avg6.700%-0.030|NY Avg6.680%-0.100|PA Avg6.690%-0.050|IL Avg6.730%+0.020|OH Avg6.750%-0.070|GA Avg6.680%0.000|NC Avg6.670%-0.040|MI Avg6.740%-0.060|AZ Avg6.700%+0.030|WA Avg6.640%-0.090|30-Year Fixed6.710%+0.050|15-Year Fixed6.040%+0.060|30-Year FHA6.460%+0.050|30-Year VA6.210%+0.040|5/1 ARM6.210%+0.040|7/1 ARM6.340%+0.050|30-Year Jumbo7.210%+0.050|15-Year Jumbo6.710%+0.060|CA Avg6.650%-0.080|TX Avg6.700%+0.050|FL Avg6.700%-0.030|NY Avg6.680%-0.100|PA Avg6.690%-0.050|IL Avg6.730%+0.020|OH Avg6.750%-0.070|GA Avg6.680%0.000|NC Avg6.670%-0.040|MI Avg6.740%-0.060|AZ Avg6.700%+0.030|WA Avg6.640%-0.090|

Advertising & Affiliate Disclosure

Complete transparency about how we fund our free tools and maintain editorial independence.

πŸ”‘ Key Takeaway

Our calculators are 100% free and unbiased. TruePITI is funded by display advertising and, where disclosed, product links. Outbound links to lender marketplaces (e.g., a rate-quote page) are provided for your convenience; some carry referral arrangements and some are plain links β€” each is labeled when it may earn a commission. Nothing on this page, or in our calculators, is influenced by any commercial arrangement. Calculator results and editorial content are never affected.

Current commercial status (verified 2026-09-07): display ads are not yet live (pending approval); the only active affiliate program is Amazon Associates.

How We Make Money

TruePITI is a free resource funded through two primary channels:

1. Display Advertising

We display Google AdSense ads on some pages (currently pending approval). Advertisers bid through Google's auction; we do not control which specific ads appear. Ad revenue is how the tools stay free.

2. Affiliate Product Links

Where we link to products or services we genuinely recommend (e.g., an educational book via Amazon Associates), a labeled link may earn us a small commission at no cost to you. No lender referral-fee program is active as of September 2026; outbound lender-marketplace links are informational and do not currently carry referral tracking.

Our Commercial Relationships

As of September 2026 TruePITI's only active affiliate program is Amazon Associates (educational book links). Outbound links to lender marketplaces and rate-quote pages are informational β€” we do not currently earn referral fees from them, and no specific lender partnership should be inferred from the presence of a link. If a referral arrangement is activated in the future, affected links will be labeled and this page updated.

Partner selection criteria: Competitive rates, transparent fees, strong customer service ratings, regulatory compliance, and positive user feedback.

What Affiliate Links DO NOT Affect

βœ“
Calculator algorithms & results β€” Math is math. Your inputs determine outputs.
βœ“
Rate data accuracy β€” Rates sourced from Freddie Mac, MBA, Federal Reserve.
βœ“
Editorial content & guides β€” Written for users, not partners.
βœ“
"Best of" rankings & comparisons β€” Based on objective criteria, not commissions.

How Affiliate Links Are Identified

We clearly mark affiliate relationships in three ways:

  1. Visual indicators: Buttons/links to partners use distinct styling (e.g., "Get Rate Quote β†’")
  2. Hover tooltips: "Affiliate link β€” we may earn a commission"
  3. Page-level disclosure: This page linked in footer and near affiliate-heavy content

Google AdSense & Display Ads

We use Google AdSense to display relevant advertisements. Google determines ad content based on your browsing history, page context, and advertiser bids. We do not:

  • Select individual advertisers
  • Endorse advertised products or services
  • Control ad targeting beyond category exclusions (no gambling, adult, deceptive)

You can opt out of personalized ads via Google Ad Settingsor install an ad blocker β€” our calculators will continue to work perfectly.

Your Rights & Choices

  • Use all calculators 100% free, no tracking of your inputs
  • Decline affiliate links β€” go directly to lender websites
  • Opt out of personalized ads (see above)
  • Request data deletion per our Privacy Policy
  • Report misleading affiliate practices via Contact

Compliance & Standards

We comply with:

  • FTC Endorsement Guides (16 CFR Part 255)
  • Google AdSense Program Policies
  • Affiliate network terms (CJ, Impact, ShareASole, etc.)
  • State consumer protection laws

Contact Us About This Disclosure

Questions about our affiliate relationships or advertising practices? Email disclosure@truepiti.comor use our Contact form.