Terms of Use & Disclaimer

Effective Date: January 1, 2026

1. Acceptance of Terms

By accessing and using AffordMortCalc.com (the "Site"), you accept and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree, please do not use this Site.

2. Disclaimer (Important)

⚠️ PLEASE READ CAREFULLY

All calculations, estimates, and information provided on this Site are for educational and informational purposes only and do NOT constitute:

Financial advice
Mortgage advice
Legal advice
Tax advice
A commitment to lend
A guarantee of loan approval

All calculations are estimates based on the information you provide and general assumptions. Actual loan terms, rates, fees, and payments may vary significantly.

3. Consult a Professional

Before making any financial decisions, you should consult with:

A licensed mortgage professional
A qualified financial advisor
A tax professional
A real estate attorney

4. No Liability

AffordMortCalc.com and its owners, employees, and affiliates shall not be liable for any damages whatsoever (including, without limitation, damages for loss of profits, business interruption, loss of information) arising out of the use or inability to use this Site, even if we have been advised of the possibility of such damages.

5. Accuracy of Information

While we strive to provide accurate calculations based on official CFPB and FHA standards, we make no warranties or representations about the accuracy or completeness of the content on this Site. We assume no liability for errors or omissions.

6. Third-Party Links

This Site may contain links to third-party websites (e.g., CFPB, HUD, FHA). These links are provided for convenience only. We are not responsible for the content or privacy practices of these websites.

7. Intellectual Property

All content on this Site, including calculators, text, graphics, and code, is the property of AffordMortCalc.com and is protected by copyright law. You may not copy, modify, or distribute our content without written permission.

8. Advertising

This Site displays advertisements through Google AdSense. We are not responsible for the content of these advertisements or any products/services advertised. The presence of an advertisement does not constitute an endorsement.

9. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the United States and the State of California, without regard to its conflict of law provisions.

10. Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting on this page. Your continued use of the Site constitutes acceptance of the modified terms.

11. Contact Us

If you have any questions about these Terms of Use, please contact us at: support@affordmortcalc.com