About MortgageCalcTool.org

Our Mission

We believe every homebuyer deserves transparent, honest tools to understand the true cost of homeownership. No lender pressure. No hidden agendas. Just straightforward calculators and straight talk about mortgages.

Meet Daniel O'Brien

Experience

I spent 12 years as a senior loan officer at a Boston-area credit union, helping thousands of families navigate the mortgage process. I've seen the good, the bad, and the downright ugly of the lending industry. In 2023, I left to build something better.

• 2011-2016: Loan Officer, Boston Community Credit Union, Boston, MA
• 2016-2020: Senior Loan Officer, Harbor Bay Financial, Boston, MA
• 2020-2023: Branch Manager, Commonwealth Mortgage Group, Boston, MA
• 2023-Present: Independent Mortgage Analyst, MortgageCalcTool.org

Expertise

• NMLS Licensed Mortgage Professional (2009-Present)
• Certified Mortgage Planning Specialist (CMPS) (2014)
• Specializations: FHA/VA loans, refinancing, first-time homebuyer education

Independence & Trust

• We do not originate loans or receive lender commissions
• We do not provide personalized mortgage advice
• We do not have partnerships with lenders or mortgage brokers
• Revenue comes from display advertising only
• All tools are free and open to use
• Calculations use industry-standard formulas with full transparency

Email: privacy@mortgagecalctool.org

Disclaimer: The information on this site is for educational purposes only and does not constitute mortgage advice.