About Amortization Nerd

Your payment, your payoff plan. Free, no ads, no signup.

Amortization Nerd is a free mortgage calculator website created for Phil Stevenson, Mortgage Nerd®, NMLS 365768, of PS Financial Services, LLC dba PS Mortgage Lending, NMLS 968090.

The tools help borrowers understand monthly costs, compare fixed rates and explore how extra principal changes repayment. You can calculate without submitting contact information. Estimates are educational and do not constitute loan approval or a rate offer.

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How the calculations work · Privacy and saved scenarios

National average mortgage rates
Today's mortgage rates (national averages, Mortgage News Daily, September 18, 2026): 30-yr fixed 7.19% · 15-yr fixed 6.81% · FHA 30-yr 6.81% · VA 30-yr 6.83% · Jumbo 30-yr 7.35%

National averages, not a lender quote. The date is the retrieval date; actual lender pricing varies.