Terms of Use

Last updated: July 17, 2026

By using MortgageCalculatorsAndRates.com, you agree to the terms below. If you don't agree with them, please don't use the site.

Educational purpose only

This site provides free calculators for learning about and estimating mortgage costs. Everything on it is for general educational and informational purposes only.

Not financial, legal, or tax advice

Nothing on this site is financial, legal, or tax advice, and no calculator here is a loan offer, pre-approval, or quote from any lender. The figures produced are estimates based on the numbers you enter and simplified assumptions about how loans amortize. Before making any financial decision, consult a licensed mortgage professional, financial advisor, or tax professional.

Results depend on your inputs

Calculator output is only as good as what you put in, and real loans involve details a simple calculator can't fully capture — closing costs, escrow, lender-specific fees, rate locks, rounding conventions, and more. Your actual loan terms from a lender may differ from any estimate shown here.

No warranty

This site and its calculators are provided "as is" and "as available," without warranties of any kind, express or implied, including but not limited to accuracy, completeness, or fitness for a particular purpose. While the calculation logic is covered by automated tests against known reference values, we cannot guarantee the site will be error-free or uninterrupted. You use this site at your own risk.

Limitation of liability

To the fullest extent permitted by law, MortgageCalculatorsAndRates.com and its operator will not be liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, this site or reliance on any calculation it produces.

Intellectual property

The site's design, text, and underlying code are the property of MortgageCalculatorsAndRates.com and its operator. You're welcome to use the calculators for your own personal or household purposes free of charge. Copying, scraping, or republishing the site's content or code without permission is not permitted.

External links

This site may link to third-party websites for reference. We don't control those sites and aren't responsible for their content, accuracy, or privacy practices.

Changes

We may update the site, its calculators, or these terms at any time without prior notice. The "Last updated" date above reflects the most recent revision. Continued use of the site after a change means you accept the updated terms.

Governing law

These terms are governed by applicable law, without regard to conflict-of-law principles.

Questions

If anything here is unclear, reach out via the contact page.