Terms of Use
Last updated: April 20, 2026
By using Mortgage Calc Tools (homecalctools.com), you agree to these terms.
Nature of the service
Mortgage Calc Tools provides free online mortgage calculators and educational content for informational purposes only. Our calculators perform mathematical computations based on the inputs you provide and standard financial formulas.
Not financial advice
Nothing on this website constitutes financial advice, mortgage advice, real estate advice, tax advice, or professional advice of any kind. The calculators and articles are educational tools. They are not a substitute for advice from a licensed mortgage professional, real estate agent, or certified financial planner.
Mortgage rates, terms, and qualification requirements vary by lender and change frequently. Our calculators use simplified models that may not reflect your specific situation, lender requirements, or local regulations. Actual mortgage terms and payments can vary significantly from calculator estimates.
Accuracy and limitations
We strive for accuracy in our calculators but cannot guarantee that every computation accounts for every real-world factor. Our models may not reflect PMI requirements, HOA fees, closing cost variations, local property tax rates, insurance premiums, or changes in market conditions. Always verify calculations with a mortgage professional before making financial decisions.
No warranties
This website and all content are provided "as is" without warranties of any kind. We disclaim all warranties, including implied warranties of merchantability and fitness for a particular purpose.
Limitation of liability
Mortgage Calc Tools shall not be liable for any damages arising from your use of this website, including but not limited to financial losses, missed opportunities, or errors in planning based on our calculators.
Your responsibilities
You are solely responsible for verifying calculations and making your own informed decisions about home purchases and mortgages. You should consult qualified professionals before making significant financial commitments based on any projections from our tools.
Intellectual property
All content on this website is the property of Mortgage Calc Tools and is protected by copyright law. You may use the calculators for personal, non-commercial purposes.
Third-party services
This site uses Google AdSense for advertising. These services are governed by their own terms and privacy policies.
Modifications
We may modify these terms at any time. Continued use of the site constitutes acceptance.
Contact
Questions? Email [email protected].