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Smart Mortgage Calculator

About Us

Who builds Smart Mortgage Calculator, why the formulas are public, and how to reach the editor.

Michael Hubbard, founder and editor of Smart Mortgage Calculator

Editor

Michael Hubbard

Founder & editor · Franklin, Heard County, Georgia

I build the calculators and write the Smart Buying guides. I am not a licensed lender — the work here is educational payment math, tested against the formulas we publish.

  • Designs and tests the amortization, PITI, FHA MIP, VA, ARM, and refinance calculators on this site
  • Operates Axion Integration Services, LLC from Franklin, Heard County, Georgia
  • Publishes worked examples from the same formulas as the tools — not from originating loans

Who I am

I’m Michael Hubbard. I live in Franklin, Heard County, Georgia, and I operate Axion Integration Services, LLC. Smart Mortgage Calculator is the educational product I maintain: payment, affordability, refinance, FHA, VA, and ARM tools, plus the Smart Buying guides that walk through the same math.

I am qualified to publish these tools because I wrote them, I test them when the sliders change, and I document the formulas on How we calculate. I am not a licensed mortgage lender, loan officer, or underwriter. I do not originate loans, lock rates, or approve files. When a guide says “in my testing,” it means I ran this site’s amortization engine — not that I closed a loan for a client.

Why this site exists

Payment apps often hide assumptions. I wanted a place where principal and interest, taxes, insurance, and mortgage insurance sit in the open, with state defaults you can challenge, and with worked examples that use the same numbers as the widgets. The Smart Buying cluster stays on that niche: term choice, PMI, loan types, shopping a Loan Estimate, and refinance break-even — not a farm of thin pages.

Editorial standards

  • Payment math follows the standard amortization formula published on How we calculate. When defaults change (rates, tax/insurance starting points), we update the labeled “as of” date (June 2026).
  • Specialized pages use scenario-specific models: refinance break-even, FHA upfront and annual MIP, and ARM intro vs. stress payments — not copy-paste of a single form with swapped labels.
  • Guides prioritize worked examples and decision frameworks over keyword filler. Educational estimates are never presented as personalized loan offers or guarantees of approval.
  • Corrections are welcome via the contact form or contact@smartmortgagecalc.com.

How the site stays free

Calculators and guides are free. Limited Google AdSense advertising helps host them. Ads and any future partner links sit after the tools and articles, not in place of them. How ad-related data is handled is in the Privacy Policy. Ordinary calculator use does not require an account.

Get in touch

Questions, a math correction, or a broken link: contact page or contact@smartmortgagecalc.com.