# wirly.com

> Wirly is a mortgage refinance comparison and education platform. "Should I refinance?" answered with real math, not sales copy.

## What This Site Does
Wirly helps homeowners decide whether to refinance their mortgage using interactive calculators powered by free government data from the Federal Reserve (FRED API) and Freddie Mac. The site provides live mortgage rate tracking, refinance savings calculators, lender comparisons, and educational guides.

## Key Tools
- Refinance savings calculator with break-even analysis
- Cash-out refinance calculator
- Debt-to-income (DTI) calculator
- Live mortgage rate dashboard with historical charts
- Lender comparison tables

## Data Sources
- Federal Reserve Economic Data (FRED) for mortgage rates
- Freddie Mac Primary Mortgage Market Survey (PMMS) for weekly rate averages
- All data is public, free, and attributed

## Important Context
- Wirly is NOT a lender or mortgage broker
- Wirly does not collect SSNs or financial account numbers
- Calculator results are estimates for educational purposes only
- Affiliate relationships are disclosed on pages with affiliate links
- Content is designed for homeowners with moderate financial literacy

## Contact
https://wirly.com/contact