Welcome to MortgageCalc.pro. By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this site.

1. Acceptance of Terms

These Terms of Use constitute a legally binding agreement between you and MortgageCalc.pro ("we," "us," or "our"). By using our website, calculators, or content, you confirm that you have read, understood, and agree to these terms.

2. Description of Service

MortgageCalc.pro provides free online mortgage calculators and educational content about home financing. Our tools include:

  • Mortgage payment calculators
  • Amortization schedules
  • Educational blog articles about mortgages and home buying
  • Rate comparison tools

All tools and content are provided for informational and educational purposes only.

3. Not Financial Advice

The content and calculators on MortgageCalc.pro do not constitute financial, legal, or tax advice. The calculator results are estimates based on the inputs you provide and standard mathematical formulas. Actual mortgage terms, payments, and costs will vary based on your specific lender, creditworthiness, loan program, market conditions, and other factors.

Before making any financial decision, you should:

  • Consult with a licensed mortgage professional or financial advisor
  • Obtain official Loan Estimates from licensed lenders
  • Consult a tax professional regarding deductibility of mortgage interest or points

4. Calculator Accuracy

We make reasonable efforts to ensure our calculators use standard financial formulas and accurate computations. However, we do not guarantee that calculator results will match actual loan terms offered by any lender. Results should be used for planning and estimation purposes only — not as a substitute for official lender disclosures.

Calculator results assume:

  • Fixed interest rate for the term entered
  • No prepayment penalties unless specified
  • Payments made on schedule with no late fees
  • No escrow items unless you add them manually

5. Intellectual Property

All content on MortgageCalc.pro — including text, calculators, code, graphics, and design — is owned by MortgageCalc.pro and protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without express written permission.

You may share links to our pages and quote brief excerpts with attribution.

6. User Conduct

You agree not to:

  • Use the site for any unlawful purpose
  • Attempt to circumvent, disable, or interfere with security features
  • Scrape or harvest content without permission
  • Transmit malware, viruses, or harmful code
  • Use automated systems to access the site in a manner that exceeds reasonable human use

7. Third-Party Advertising

MortgageCalc.pro displays advertisements served by Google AdSense and potentially other advertising networks. These advertisements are provided by third parties and do not constitute endorsement of any advertised product or service. We are not responsible for the accuracy or content of third-party advertisements.

Advertisers may use cookies and similar technologies to serve relevant ads based on your interests. See our Privacy Policy for more information.

8. Third-Party Links

Our content may include links to third-party websites for reference purposes. These links do not constitute endorsement of those sites. We have no control over third-party content and are not responsible for their accuracy, content, or privacy practices.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MORTGAGECALC.PRO AND ITS OPERATORS SHALL NOT BE LIABLE FOR:

  • Any financial decisions made based on calculator results or site content
  • Inaccuracies in calculator outputs
  • Interruptions or errors in site availability
  • Any indirect, incidental, special, consequential, or punitive damages

YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE SITE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND.

10. Disclaimer of Warranties

MortgageCalc.pro provides this website "as is" and "as available" without any warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of viruses.

11. Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the site after changes are posted constitutes acceptance of the revised terms.

12. Governing Law

These Terms of Use shall be governed by and construed in accordance with applicable laws. Any disputes relating to these terms shall be resolved through binding arbitration or in the appropriate courts of competent jurisdiction.

13. Contact Us

If you have questions about these Terms of Use, please contact us through our Contact page.