Disclaimer

Last updated: April 2026

No Professional Relationship

Using this website, our calculators, or reading our articles does not create a fiduciary, professional, lender-borrower, broker-client, advisor-client, attorney-client, or any other professional relationship between you and MortgageMathLab or its operators. We are not an originator of mortgages, a real estate broker, an insurance carrier, or a registered investment advisor.

Estimates Only — Not Loan Terms or Quotes

Our mortgage payment, closing cost, affordability, refinance, PMI, amortization, and related calculators produce estimates. These estimates use default assumptions about interest rates, property taxes, homeowners insurance, mortgage insurance, HOA dues, transfer taxes, and other factors. Actual loan terms, rates, fees, and costs depend on the lender, your specific financial profile, the property, the loan program, market conditions at the time you apply, and other variables we cannot predict.

Numbers shown by our tools are not loan offers, rate locks, or quotes. To get actual mortgage terms, contact a licensed mortgage lender or broker.

Data May Be Approximate or Outdated

State median home prices, property tax rates, closing cost averages, homeowners insurance averages, transfer taxes, first-time buyer program details, and similar data points on this website come from public records, industry surveys, and government sources. Real-world numbers vary by county, city, school district, property type, market conditions, and time. Data may also be outdated between updates. Always verify current rates and program details with the relevant authority or a licensed professional before making decisions.

No Guarantee of Accuracy

We work hard to keep our calculators and data accurate, but we do not guarantee accuracy, completeness, timeliness, or fitness for any particular purpose. Calculations rely on the assumptions and inputs available at the time. Errors, bugs, outdated data, or incorrect formulas may exist. Use of any information from this website is at your own risk.

Consult a Licensed Professional

Before making decisions about buying a home, taking out a mortgage, refinancing, selling, paying down debt, choosing insurance coverage, or making any other financial decision that could materially affect you, consult with one or more appropriate licensed professionals — including a mortgage lender, real estate agent, certified financial planner, tax professional, attorney, or insurance agent — who can evaluate your specific situation.

Third-Party Links and Content

This website includes links to third-party websites, products, and services we do not control. We are not responsible for the content, accuracy, privacy practices, or terms of any third-party site. Links are provided for convenience only and do not constitute endorsement.

Limitation of Liability

To the maximum extent permitted by law, MortgageMathLab, its owners, contributors, and affiliates are not liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from your use of, or inability to use, this website — including financial losses, lost opportunities, missed deadlines, miscalculated payments, or other adverse outcomes resulting from reliance on information presented here.

Changes to This Disclaimer

We may update this disclaimer from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the website after changes are posted constitutes acceptance of the revised disclaimer.

Contact

If you have questions about this disclaimer, contact us at mortgagemathlab@gmail.com.