By accessing or using MortgageCalcTool.com, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this site.
What This Site Is
MortgageCalcTool.com is a free educational tool that helps you estimate mortgage payments. It is not a lender, broker, financial advisor, or mortgage company.
All calculations provided on this site are estimates for general informational and educational purposes only. They do not constitute financial, lending, tax, legal, or investment advice. Results should not be relied upon as a substitute for professional advice from a licensed mortgage professional, financial advisor, or attorney.
No Financial Advice
⚠️ Nothing on MortgageCalcTool.com constitutes a loan offer, pre-qualification, pre-approval, or commitment to lend. Always verify figures with a licensed mortgage professional before making any financial decision.
The calculations on this site use standard mathematical formulas and the information you provide. Actual loan terms, rates, payments, taxes, insurance costs, and eligibility are determined by licensed lenders and local authorities — not by this calculator.
MortgageCalcTool.com is not affiliated with any lender, bank, mortgage company, or government agency including the Federal Housing Administration (FHA).
Accuracy of Information
We make reasonable efforts to keep the calculator accurate and up to date. However, we make no warranties or representations of any kind — express or implied — regarding:
- The accuracy, completeness, or reliability of any calculation
- Current interest rates, tax rates, insurance costs, or FHA MIP rates
- The suitability of any calculation for your specific financial situation
- Uninterrupted or error-free operation of the site
Mortgage rates, FHA MIP rates, property tax rates, and insurance costs change frequently and vary by location, lender, and individual circumstances. Always confirm current figures directly with your lender and local tax authority.
Permitted Use
You may use MortgageCalcTool.com for personal, non-commercial educational purposes. You agree not to:
- Use the site for any unlawful purpose
- Attempt to gain unauthorized access to any part of the site or its infrastructure
- Scrape, copy, or reproduce the site's content or code for commercial purposes without permission
- Use automated tools or bots to access the site in a way that places excessive load on our servers
- Misrepresent the site's calculations as official loan quotes or professional financial advice
Intellectual Property
All content on MortgageCalcTool.com — including the calculator design, code, text, graphics, and branding — is the property of MortgageCalcTool.com and is protected by applicable copyright and intellectual property laws.
You may share links to this site freely. You may not reproduce, distribute, or create derivative works from the site's content without express written permission.
Advertising
MortgageCalcTool.com displays advertisements through Google AdSense. These ads are served by Google and are subject to Google's advertising policies. We do not endorse any products or services advertised on this site.
Clicking on an advertisement may take you to a third-party website. We are not responsible for the content, accuracy, or privacy practices of any third-party website.
Limitation of Liability
To the fullest extent permitted by law, MortgageCalcTool.com and its owners shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:
- Your use of or reliance on any calculation or information on this site
- Any financial decision made based on information from this site
- Any errors, inaccuracies, or omissions in the site's content
- Any interruption or unavailability of the site
Your use of this site is entirely at your own risk.
Indemnification
You agree to indemnify and hold harmless MortgageCalcTool.com and its owners from any claims, damages, losses, or expenses (including legal fees) arising from your use of the site or violation of these Terms of Use.
Governing Law
These Terms of Use are governed by the laws of the State of Florida, United States, without regard to conflict of law principles. Any disputes arising from these terms or your use of the site shall be subject to the exclusive jurisdiction of the courts located in Florida.
Changes to These Terms
We reserve the right to modify these Terms of Use at any time. When we do, we will update the "Last updated" date at the top of this page. Your continued use of the site after any changes constitutes your acceptance of the new terms.
Contact
If you have any questions about these Terms of Use, please contact us at:
MortgageCalcTool.com
Email: legal@mortgagecalctool.com