Terms of Service

The Short Version

The sections below spell out the details. By using mortgagecalculatorus.net you're agreeing to these terms. If something doesn't work for you, the right move is to stop using the site and reach out if you have questions.

Who We Are

mortgagecalculatorus.net is an independent financial education website. We provide free mortgage calculation tools for informational and educational purposes. We are not a licensed mortgage lender, broker, financial advisor, real estate agent, or any kind of regulated financial institution.

When we say "we," "us," or "our" in these terms, we mean mortgagecalculatorus.net and the people who operate it. When we say "you," we mean anyone visiting or using the site.

Acceptable Use

We want this site to be useful to as many people as possible, so the rules here are pretty minimal. You're welcome to:

• Use the calculators for personal mortgage research and planning
• Share links to this site or specific calculator pages
• Reference or cite our methodology page in your own research or writing, with attribution
• Print or save calculator results for your own personal use

Please don't:

• Scrape, crawl, or automatically extract content or data from this site at scale
• Attempt to interfere with or disrupt the site's operation
• Use the site in any way that violates applicable law
• Reproduce or republish substantial portions of our content — including the methodology documentation — without permission
• Present our calculator results as your own proprietary tool or product

If you're a financial professional, journalist, educator, or researcher who wants to use our content in a specific way that's not covered above, just ask. We're generally reasonable about this kind of thing.

This Is Not Financial Advice

Real mortgage decisions are complex. Your actual rate, payment, and eligibility depend on your credit score, income, assets, the specific lender you work with, the property you're buying, where it's located, current market conditions, and dozens of other factors that a calculator can't account for.

Before making any financial decision — buying a home, refinancing, choosing between loan types — please talk to a licensed mortgage professional who can look at your full financial picture. A good loan officer or mortgage broker will give you a Loan Estimate that reflects your actual situation, not a calculator estimate.

We work hard to make our calculators accurate, but they are planning tools, not substitutes for professional advice. Use them to get oriented, then get qualified help before you commit to anything.

Accuracy and Errors

We put real effort into keeping the formulas and rate tables on this site accurate. Every formula is sourced from official government documentation — HUD mortgagee letters, VA circulars, CFPB guidelines, and the Fannie Mae Selling Guide. You can verify all of it on our Methodology page.

That said, we can't guarantee that every number is always correct or up to date. Regulations change. Rates change. Occasionally we make mistakes. We review rate tables regularly and fix errors as soon as we find them, but we can't promise the information on this site is error-free at every moment in time.

Because of the nature of educational tools and the complexity of real mortgage decisions, we disclaim any liability for decisions made based on calculator results. The outputs this site produces are estimates, not facts about your specific situation.

Our Content

The text, design, code, and methodology documentation on this site belong to mortgagecalculatorus.net. That includes the calculator interfaces, the written explanations on the methodology page, and the overall look and feel of the site.

The underlying financial formulas themselves — the standard amortization formula, the FHA MIP rates published by HUD, the VA funding fee tables — are public information sourced from government documents. We don't claim ownership of those.

You're welcome to quote short excerpts from our content with a link back to the source. Reproducing entire pages, the full methodology documentation, or substantial portions of the site's text without permission isn't something we can allow.

If you'd like to embed a calculator, syndicate content, or use our material in an educational or journalistic context, reach out and let's figure something out.

External Links

We link to external websites — primarily official government resources like HUD, the CFPB, VA, and Fannie Mae — as the sources for the formulas and rates we use. Those sites are not ours. We don't control them, we're not responsible for their content, and they have their own terms of service and privacy policies.

We try to only link to reputable, authoritative sources, but we can't guarantee that external sites will always be accurate, available, or appropriate. Clicking a link to an external site means you're leaving mortgagecalculatorus.net and entering their territory.

Advertising

This site does not currently display advertising. In the future, we may display standard third-party display advertising (such as Google AdSense). If and when we do, we'll update this section and note it clearly on the site.

What we will never do is earn referral fees from mortgage lenders or brokers in exchange for sending you to them. That kind of arrangement creates a conflict of interest — it gives us a financial reason to make certain loans look more attractive than they are. We don't do that, and we won't.

Standard display advertising — banner ads, for example — doesn't affect how our calculators work or what numbers they show. It's a different thing entirely from lender referral programs.

Limitations of Liability

We provide this site "as is" and make no warranties — express or implied — about its accuracy, reliability, completeness, or fitness for any particular purpose. We do our best, but we can't guarantee perfection.

To the fullest extent permitted by law, mortgagecalculatorus.net and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of — or inability to use — this site or its calculators. That includes financial losses resulting from decisions made based on calculator outputs.

Put plainly: if you use a number from this site to make a financial decision and it doesn't work out, that's not on us. These are educational estimates. The responsibility for your financial decisions rests with you and the licensed professionals you work with.

Some jurisdictions don't allow the exclusion of certain warranties or limitation of liability, so some of the above may not apply to you.

Changes to These Terms

We may update these terms from time to time. When we do, the "Last updated" date at the top of this page will change. If something significant changes — like if we start displaying advertising or change how the site fundamentally works — we'll make that visible on the homepage too.

Continuing to use the site after an update means you're okay with the new terms. If you're not, you can stop using the site and reach out if you have concerns.

We won't try to bury important changes. If something meaningful shifts, we'll say so clearly.

Governing Law

These terms are governed by the laws of the United States. Any disputes arising from your use of this site will be subject to the jurisdiction of US courts.

If any part of these terms turns out to be unenforceable, that part will be modified as minimally as possible to make it enforceable, and the rest of the terms will continue in full effect.

Questions?

If something in these terms isn't clear, or if you want to ask about using our content in a specific way, get in touch:

Website: mortgagecalculatorus.net
Email: [email protected]

We'll respond within a reasonable time. We're not a large organization with a legal department — just people trying to keep things fair and transparent.