Disclosures and sources

Who we are

BestQualify is education from Credit Technologies, Inc., a mortgage credit reporting agency since 1990. We do not make loans, quote rates, or decide who qualifies. Rates, terms and program eligibility are set by your lender. You can use any lender.

Estimates

Payments, fees and home prices on this site are estimates for the example shown, not offers, rate quotes or decisions about your loan. Examples use Classic FICO scores and a 30-year fixed-rate purchase loan. How we translate a loan-level price adjustment into an interest rate uses the range seen in published lender rate sheets and is provisional.

Sources

Fannie Mae Loan-Level Price Adjustment Matrix, 9 September 2026.
Enact Monthly Premium Mortgage Insurance, fixed, effective 22 June 2023, updated 17 July 2025.
HUD FHA mortgage insurance premium schedule.
Freddie Mac Primary Mortgage Market Survey, 17 September 2026.
Published lender rate sheets, 23 September 2026, for the rate conversion and FHA pricing.
State housing agency program materials, with the date each was last verified shown on its state page.

Score Express results

Rescore results are counted by file, not attempt, for rescores recorded as requests to raise the score, September 2024 to September 2026. The 23.5-point figure is the average change per bureau score updated, including scores that stayed flat or fell. Past results do not predict an individual outcome. You never pay for a Score Express rescore; your loan officer requests it.

Your information

What you enter in the calculator and your plan stays in your browser. Nothing is sent to us, a lender or anyone else unless you choose to share it.