The rate calculator and rate quote tools on this website are provided for informational and educational purposes only. Results generated by these tools:
To receive a formal rate lock and accurate Loan Estimate disclosure, you must complete a full loan application.
Using the rate calculator or creating an account on this website does not constitute a loan application under Regulation B (Equal Credit Opportunity Act) or Regulation Z (Truth in Lending Act). A loan application is not considered received until you have provided: your name, income, Social Security number, property address, estimated property value, and the desired loan amount.
Annual Percentage Rate (APR) figures shown on the rate results page are estimates that include the interest rate plus estimated lender fees and discount points. Actual APR will be disclosed on your official Loan Estimate within three business days of receiving your completed loan application, as required by the Truth in Lending Act (TILA/Regulation Z).
For refinance transactions on your primary residence, you have a 3-business-day right to cancel (rescind) the transaction after closing, as required by the Truth in Lending Act (TILA/Regulation Z). Your lender will provide the required rescission notice at closing. This right does not apply to purchase transactions.
By creating an account or submitting a loan application through this website, you consent to receive documents, disclosures, and communications electronically in accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act). You may withdraw this consent at any time by contacting us. To access electronic records, you need a device with internet access, a current web browser (Chrome, Firefox, Safari, or Edge), and a valid email address. You may request paper copies of any document at no charge by contacting us at [email protected].
By using this website, you agree that:
This website and the rate calculator tools are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. Rate quotes, payment estimates, and qualification estimates generated by this website are not guarantees of loan approval or final loan terms.
To the fullest extent permitted by law, Magister LLC and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of this website or its tools, even if advised of the possibility of such damages. Nothing in these Terms limits any liability that cannot lawfully be excluded under federal consumer protection law (including TILA, RESPA, ECOA, FCRA, or the Fair Housing Act).
These Terms are governed by the laws of the State of Texas and applicable federal law, without regard to conflict-of-law principles. Any dispute arising under these Terms shall be brought in the state or federal courts located in Collin County, Texas, except where federal consumer protection law provides otherwise.
Magister LLC
Email: [email protected]
Last updated: April 2026