Footnotes
Rate assumptions
& disclosures.
Context matters. Here’s how to read the numbers, tools, and guidance on this website.
1. National average mortgage rates
National figures are Freddie Mac Primary Mortgage Market Survey weekly conventional conforming purchase-mortgage averages. They are dated to the survey release, not represented as today’s locked rate. They are not an APR, personalized quote, FHA/VA benchmark, or refinance offer. Program, borrower, property, and timing differences make direct savings comparisons inappropriate. Values refresh on request; unavailable or out-of-date figures are withheld.
2. My rates and personalized pricing
A published lender rate must reflect actually available, lender/compliance-approved terms. Your interest rate, annual percentage rate (APR), points, fees, lock period, and borrower/property assumptions must be considered together. APR reflects the rate plus certain financing charges. Points may lower the interest rate at an upfront cost. No approved lender pricing feed is currently connected. Request a personalized review through the guided questionnaire; approval or a rate is not guaranteed. Required rate disclosures appear alongside any advertised offer, not only here.
3. Calculator estimates
Calculators use editable planning assumptions, including county effective property-tax estimates, loan-type down payments, and cost estimates. Parcel taxes vary with exemptions, municipalities, special districts, and changing local rates. Insurance, mortgage insurance, fees, and loan eligibility also vary. The closing tool’s 2% origination assumption is an estimate, not a universal advertised fee. Results are not a Loan Estimate, approval, rate quote, or commitment to lend.
4. Reviews and reputation
Featured reviews are authentic, attributed Google reviews shown as published. The number of featured stories is not a claim about total review count or current aggregate Google rating. Use the Google profile link for current feedback. No competitor review counts, average closing times, or years of experience are substituted for Atiyah’s facts.
5. Rate requests, applications, and your information
Customize my rate and purchase/refinance choices open a guided questionnaire that asks for estimates and contact permission. It does not request a Social Security number or date of birth and does not run a credit check. Information stays in browser memory until you choose to submit; submitted requests are saved for review. Pricing follows a personal review, not an instant automated quote. The separate secure full application may require additional information and credit authorization governed by its disclosures. Never email or text Social Security numbers, account numbers, bank statements, or financial documents.
6. Educational resources and licensing
Information is educational and not legal, tax, credit-repair, or individualized financial advice. Program, income, property, documentation, and underwriting requirements vary. Atiyah Jemison, NMLS #2162831, provides mortgage guidance in Georgia, Tennessee, and Alabama, powered by Xpert Home Lending. All financing remains subject to eligibility and underwriting. Equal Housing Opportunity.
7. Optional rate-request popup
The site may show a purchase/refinance invitation after five seconds. It can be dismissed with Close, Keep exploring, or Escape. It is capped once per browser-tab session and does not collect financial information. It is suppressed on guided-questionnaire, consultation, contact, and legal pages and postponed while you enter information or another dialog is open.