The results provided by this mortgage calculator are for illustrative purposes only and are not guaranteed to be accurate or applicable to your specific financial situation. The estimated monthly payment is based on standard calculations and does not include all potential costs such as property taxes, homeowners insurance, private mortgage insurance (PMI), or HOA fees. Interest rates are subject to change and may vary based on market conditions, creditworthiness, loan amount, and lender-specific terms. The actual loan terms, interest rate, and monthly payment may differ from the estimates shown. Heart Mortgage does not guarantee loan approval or any specific financing terms. For a personalized loan estimate and pre-qualification, please consult with a licensed mortgage professional. By using this calculator, you acknowledge and agree that Heart Mortgage is not liable for any inaccuracies, errors, or financial decisions based on the provided estimates.