Mortgage guides, calculators and programs — in plain English
Mortgage Secrets helps homebuyers in the United States and Canada understand how mortgages actually work: what a payment is made of, how rates and rules differ between the two countries, and which programs are worth a closer look. No jargon, no hype — just the math and the rules, explained.
Start with the numbers
Run your own scenario before you talk to a lender. Our calculator follows the rules of each country: monthly compounding in the US, and semi-annual compounding for fixed-rate mortgages in Canada, plus Canada’s B-20 stress test.
Open the mortgage calculators →
Featured mortgage programs
These are large, well-known mortgage programs. The links below are temporary — the site owner will replace them with their own affiliate links after signing up for each program. Program terms change, so always confirm current details on the program’s own site.
- Rocket Mortgage (US) — one of the largest US mortgage lenders, fully online application for purchase and refinance. Visit Rocket Mortgage (temporary link) →
- SoFi (US) — mortgages alongside student loan refinancing, personal loans and banking. Visit SoFi (temporary link) →
- LendingTree (US) — a marketplace that compares offers from multiple lenders. Visit LendingTree (temporary link) →
- Better (US) — online mortgage lender for purchase and refinance. Visit Better (temporary link) →
- Ratehub (Canada) — comparison site for Canadian mortgage rates and products. Visit Ratehub →
Learn the system
Training courses and loan programs → — licensing courses for mortgage professionals (NMLS in the US, REMIC and Mortgage Professionals Canada in Canada) and the major loan programs in both countries.
Read the blog → — 20 educational articles on rates, down payments, insurance, amortization, refinancing and more.
Featured Posts
US MortgagesHow PMI Works and How It Ends
US MortgagesPre-Approval vs Pre-Qualification
US MortgagesFirst-Time Buyer Programs in the US
US MortgagesVA Home Loans Explained
Canada MortgagesHELOCs in Canada: How They Work
Canada MortgagesThe First Home Savings Account (FHSA)
Canada MortgagesThe B-20 Stress Test, in Plain English
US MortgagesClosing Costs, Line by LineEducational content only, not financial advice. Rates, rules and program terms change — confirm current details with a licensed mortgage professional or the program’s official source before deciding.