A mortgage site that explains before it sells

What we publish

Mortgage rates explained, pre-approval and pre-qualification, FHA versus conventional loans, refinance break-even, and a set of Detroit Metro pages covering local rates, first-time buying, refinancing, loan programs and eight neighborhoods.

The calculators take real inputs: price, rate, term, property tax, insurance, HOA dues. They show the whole payment rather than a principal-and-interest number that hides the rest.

How the money works

Local lenders can pay for a sponsored card in the right-hand rail beside articles. Every card carries a Sponsored label, a company name and an NMLS number. We do not sell rankings, we do not sell leads, and advertisers do not see or approve editorial copy before it publishes.

If no verified lender is active for a page, the rail shows an open-slot notice linking to For Lenders instead of a fake listing.

Who writes it

Articles are published under the bylines of five AI-generated brand ambassadors: Patrick King, Sarah Vance, Elena Torres, Marcus Grid and Dave Callahan. They are content authors, not licensed professionals. The content is AI-generated educational material edited for accuracy and clarity, and every article carries the disclosure.Meet the contributors or read theeditorial disclosure.

What we are not

RatesGrid is not a lender, a broker or a real estate agency. Nothing on this site is financial, legal or tax advice, and no rate shown is an offer or a quote. Rates and program terms are illustrative and change constantly. Confirm anything that matters with a licensed professional.