Who this article is for
This article is for:
Borrowers using the Nestmatch calculator
Anyone reviewing a downloadable wealth projection
Homebuyers comparing Nestwise to a traditional mortgage
Borrowers who want clarity on how calculations are made
Calculator disclosures and assumptions
Nestwise calculators are designed to help you understand how a Nestwise mortgage and Nestmatch rewards could impact your long-term financial picture.
All results are estimates only and depend on specific assumptions.
Below is a clear list of the assumptions used and what they mean.
1. Payment and loan assumptions
Most calculators assume:
A 30-year fixed-rate mortgage
Standard amortization
Consistent monthly payments
No changes to your loan terms
No prepayments or skipped payments
No modifications after closing
If your inputs differ from these assumptions, your real results will differ as well.
2. Interest rate assumptions
Interest rates shown in the calculator:
Are estimates only
Are not a rate quote
Do not reflect your final pricing
May differ from your approved loan rate
Your actual rate is based on underwriting, credit, income, and market conditions.
3. Nestmatch contribution assumptions
Nestmatch projections are based on:
Estimated monthly contributions
On-time payments every month
A Nestmatch-enabled loan
Program rules as currently defined
Important notes:
Contributions are estimates and may vary
Contributions do not earn interest
Rewards are not an investment product
Rewards depend on maintaining eligibility (on-time payments, loan standing, etc.)
Actual contributions may be higher or lower than projected.
4. Home equity assumptions
Equity projections assume:
Standard principal paydown
No market value changes
No refinance or loan changes
No early payoff
Your home value may go up or down—equity projections in the calculator do not include appreciation or depreciation unless explicitly stated.
5. Tax and insurance assumptions
If taxes and insurance are included:
They are estimated based on averages
Your actual taxes and insurance may differ
Escrow changes may impact your monthly payment
These are not exact amounts and do not replace official disclosures from your servicer.
6. Nestwise vs. traditional comparison assumptions
Comparison charts assume:
Both loans are amortized over 30 years
The same loan amount and interest rate
Nestmatch contributions are added monthly
Traditional loans do not offer rewards
This gives you a clear, apples-to-apples comparison—but it is still an estimate.
7. Limitations of the calculator
The calculator does not account for:
Interest rate changes
Payment timing variations
Missed or late payments
Changes to Nestmatch program rules
Property value appreciation
Taxes on withdrawn rewards (if applicable)
Household budgeting or investment planning
Your final loan terms determine your actual financial results.
8. Legal disclosures
Results are for informational purposes only
Estimates do not guarantee future contributions
This is not a commitment to lend
Final loan terms are determined through underwriting
Nestwise may modify Nestmatch rules at any time
Rewards are not interest-bearing
Full disclosures are provided during application and closing.
When to contact support
Reach out if:
Your calculator results seem incorrect
You want help comparing two scenarios
You need clarity on Nestmatch contribution assumptions
You have questions about your specific loan terms
A mortgage specialist can walk you through your projection in detail.