About What's My Payment?®

Ryan Martinson - Creator of What's My Payment?

Ryan Martinson
Creator of
What's My Payment?® Contact us.


If you have any questions or concerns about whatsmypayment.com, our calculators, our calculations, or our content, please contact us. Our content is thoroughly researched, but we're not perfect. Please let us know how we can improve.

Our Commitment to Accuracy

It should go without saying that a website dedicated to helping homebuyers budget for such a monumental life event that the calculations provided should be correct. However, we've compared our payments to other, bigger websites, some of which rank higher in Google search results, and many of those sites use sloppy formulas that equate to inaccurate payments.

All of our calculators are tested thoroughly and verified using lending software and/or matched against actual FHA, VA, and USDA loans that have closed. Use our calculators with confidence, knowing our formulas are the same ones used by the respective loan programs. Our primary goal is accuracy. Period.

More on our commitment to accuracy.

The Origin of What's My Payment?®

Once upon a time I was a loan originator. For years I was the guy (one of them anyway) on the other end when you completed a LendingTree application. If your application indicated a VA, FHA, or USDA loan might be right for you, I was your guy.

It became apparent early on that my clients were having trouble planning for their home purchase using the traditional/basic mortgage calculators they were finding online. A regular loan payment is not the same as an FHA, VA, or USDA payment.

There were no calculators featuring the nuances of the various government loan programs anywhere online (as far as I know or remember), so I built them.

The FHA, VA, USDA, and other mortgage calculators on www.whatsmypayment.com work. That might sound like stating the obvious, but many of our competitors' calculations are incorrect. Because becoming a homeowner is one of the most important decisions of one's life, accuracy of our calculations is a responsibility we take very seriously. Use What's My Payment?® with confidence.

More About Us

When running What's My Payment?® began to consume more and more of my time, it became difficult to give loan origination the focus my clients deserved. I could help more people become homeowners by attending to this website and making tools for aspiring homebuyers than I ever could as a loan officer. www.whatsmypayment.com has served millions of potential FHA, VA, USDA, and conventional buyers, both first-time and experienced. And that is why we do this.

After growing up in the Midwest and spending twelve or so years in the Wall Street of Internet Lending - Kansas City - honing my mortgage knowledge, my family now calls Omaha home. We love spending time in the yard and on the golf course.

Thank you for using What's My Payment?. If you have ideas for us, have found an area upon which we can improve, or simply want to connect, please email me or find me via the links below.