As of September 10, 2026, these terms cover one calculator, five guides and the supporting pages on mortgagescalcu.com. Using the site means you accept these terms.
Who may use the site
The site is intended for adults who can legally agree to these terms. You may use it for lawful personal, educational or internal business research. If you use the site for an organization, you represent that you are authorized to accept these terms for that organization.
Educational information, not a loan offer
Nothing on this site is a loan application, credit decision, prequalification, preapproval, rate lock, loan approval, appraisal, insurance quote or offer to buy or sell real estate. We do not match visitors with lenders or collect information needed to make a lending decision.
Articles and calculator results are not individualized financial, legal, tax, accounting, insurance, investment or real-estate advice. A qualified professional should review decisions that depend on your finances, property, contract, jurisdiction or loan program.
Calculator estimates and assumptions
Calculator results depend entirely on the values entered and the assumptions described on the calculator page. Results may differ from a lender, servicer, taxing authority, insurer, association or settlement provider because of rounding, compounding, payment dates, fees, escrow rules, mortgage-insurance treatment, program requirements and changing costs.
- Example rates and default values are illustrations, not live market quotes.
- Property taxes, insurance, HOA dues and mortgage insurance can change.
- A scheduled amortization estimate assumes payments occur as modeled.
- Results do not account for every loan feature, state law or property-specific charge.
- Only executed contracts, official disclosures and account records establish actual obligations.
You are responsible for checking inputs, reading the methodology and verifying important results independently.
Permitted and prohibited use
You may view, print or save reasonable portions of the site for personal research, provided you keep applicable notices and do not misrepresent the source.
You may not:
- use the site for fraud, unlawful activity, discrimination or deceptive lending practices;
- attempt to gain unauthorized access, probe security or interfere with site operation;
- introduce malware, abusive traffic, automated spam or destructive code;
- scrape or copy the site at a volume that burdens its systems or violates applicable law;
- remove attribution, impersonate the site or imply an endorsement that does not exist;
- resell, republish or create a competing database from substantial portions of the content without permission;
- submit Social Security numbers, account credentials or confidential third-party records; or
- use calculator outputs as a substitute for disclosures or advice that the law requires a qualified professional to provide.
Intellectual property
Unless otherwise stated, the site’s original text, visual design, calculator presentation, organization and branding are owned by or licensed to the site operator and protected by applicable intellectual-property laws. Government documents and third-party trademarks remain the property of their respective owners.
Limited quotations and links are welcome when lawful and accurately attributed. For broader republication or commercial licensing, use the Contact page.
Messages and feedback
If you submit a correction, suggestion or other message, you represent that you have the right to provide it and that it does not contain unlawful, infringing or confidential material. You grant us permission to use the substance of feedback to correct or improve the site without an obligation to compensate you. We will handle personal information as described in the Privacy Policy.
Third-party links and advertising
The site may link to government agencies, housing organizations, lenders, insurers or other third parties and may display third-party advertisements. Links and ads are provided for information or site support; they do not automatically mean we endorse a company, product, rate or claim.
Third parties control their own sites, terms, privacy practices and services. Review those materials before providing information, applying for a product or entering a transaction. We are not responsible for third-party availability or conduct.
No warranties
To the fullest extent permitted by applicable law, the site and its content are provided “as is” and “as available.” We do not guarantee that the site will be uninterrupted, error-free, secure, current or suitable for a particular decision, or that every result will match a third party’s calculation.
We work to publish useful, accurate material, but mortgage rules, rates, insurance markets, taxes and program requirements change. Please report suspected errors so they can be reviewed under our Editorial Policy.
Limitation of liability
To the fullest extent permitted by law, the site operator and its contributors will not be liable for indirect, incidental, special, consequential, exemplary or punitive damages, lost profits, lost opportunities, loss of data or decisions made in reliance on the site. Where liability cannot be excluded, it will be limited to the amount, if any, you paid us specifically to use the site during the twelve months before the claim.
Some jurisdictions do not permit particular exclusions or limitations, so portions of this section may not apply to you.
Indemnification
To the extent permitted by law, you agree to defend and hold harmless the site operator and contributors from claims, losses and reasonable costs arising from your unlawful misuse of the site, violation of these terms or infringement of another person’s rights.
Availability and changes
We may correct, update, suspend or discontinue site tools at any time. We may revise these terms as the site changes. The date at the top identifies the current version. Continued use after a new version takes effect means acceptance where permitted by law.
Governing rules
These terms are governed by applicable law, without overriding consumer protections that cannot legally be waived. If a provision is found unenforceable, the remaining provisions remain in effect. Failure to enforce a term once does not waive it.
Contact
Questions about these terms, permissions or reported misuse can be submitted through our Contact page. Do not send confidential loan files or other sensitive financial information.
Legal review: These terms are a site-specific operational draft, not legal advice to the owner. The operator should add the correct legal identity and obtain counsel where appropriate.