MortgageMath

Terms of Service

Last updated: May 11, 2026

By accessing or using themortgagemath.com (the "Site"), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Site.

1. Informational Purpose Only

All content, tools, and calculators on this Site are provided for informational and educational purposes only. Nothing on this Site constitutes financial, legal, tax, or investment advice. Results produced by our calculators are estimates based on the inputs you provide and the formulas we implement.

Actual loan terms, payments, insurance premiums, and eligibility requirements depend on many factors including your credit history, income, property details, and the specific lender you work with. Always consult a licensed mortgage professional, financial advisor, or attorney before making any financial decision.

2. No Warranties

The Site is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that:

  • Calculator results are accurate, complete, or current
  • The Site will be uninterrupted or error-free
  • Any information on the Site is suitable for your specific situation

While we make every effort to keep formulas and rates current and accurate, mortgage regulations, agency guidelines, and market rates change frequently. We cannot guarantee that all information is up to date at the time you access it.

3. Limitation of Liability

To the fullest extent permitted by applicable law, MortgageMath and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

  • Your use of or reliance on any calculator result or content on this Site
  • Any financial decision made based on information from this Site
  • Inaccuracies or errors in calculator outputs
  • Interruptions in Site availability

4. Intellectual Property

All content on this Site, including text, code, design, and calculator implementations, is owned by or licensed to MortgageMath. You may use the Site for personal, non-commercial purposes. You may not:

  • Reproduce, distribute, or republish Site content without written permission
  • Scrape or systematically collect data from the Site
  • Use calculator outputs in commercial products without attribution

Mathematical formulas themselves are not copyrightable. Official agency guidelines (HUD, VA, USDA, CFPB) are public domain. Our specific implementations, text, and user interface are proprietary.

5. Third-Party Links

This Site contains links to external websites including HUD.gov, VA.gov, CFPB.gov, and others. These links are provided for reference only. We do not endorse and are not responsible for the content, accuracy, or privacy practices of third-party sites.

6. Advertising

This Site displays third-party advertisements through Google AdSense. Advertisements are clearly labeled and do not represent endorsements by MortgageMath. Advertisers are responsible for the accuracy of their own advertisements.

7. Modifications

We reserve the right to modify these Terms of Service at any time. Changes will be effective upon posting to this page. Your continued use of the Site after any changes constitutes acceptance of the updated terms.

8. Governing Law

These Terms are governed by the laws of the United States. Any dispute arising from these Terms shall be resolved in a court of competent jurisdiction.

9. Contact

For questions about these Terms: cs@themortgagemath.com