Terms of Use

Last updated: September 11, 2026

By using MortgageCalc, you agree to these Terms of Use. These terms govern your access to and use of this website, including any tools, calculators, informational content, and related services made available through the site.

Acceptance of terms

If you use this site, you confirm that you have read, understood, and agree to be bound by these terms. If you do not agree, you should not access or use the site.

No financial advice

MortgageCalc provides educational and informational tools for general planning purposes only. The calculators and estimates on this site are not financial advice, legal advice, or tax advice. They are directional tools intended to help users understand common mortgage scenarios. Any decision related to borrowing, home buying, refinancing, or financial planning should be discussed with a licensed professional.

Accuracy and estimates

Mortgage calculations are estimates based on assumptions, pricing inputs, and selected interest rates. Market rates change frequently, and actual loan terms may vary by lender, location, credit profile, and underwriting standards. We do not guarantee that any estimate shown on this site will match the terms ultimately offered by a lender or broker.

Intellectual property

All content, branding, layouts, copy, design elements, and source code used on the site are owned by MortgageCalc unless otherwise noted. You may not reproduce, republish, or commercially exploit our materials without prior written permission.

Limitation of liability

MortgageCalc shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of this website or any information contained herein. This includes damages related to decisions made based on calculator outputs, market assumptions, or educational content.

Governing law

These terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles. Any disputes arising from this site shall be subject to the exclusive jurisdiction of the state or federal courts located in Delaware, USA, unless otherwise required by law.

Changes to terms

MortgageCalc may update these Terms of Use at any time to reflect changes in our services, legal obligations, or site functionality. Continued use of the site after updates are posted indicates acceptance of the revised terms.