Terms of Use
Effective date: April 19, 2026
1. Acceptance of Terms
By accessing or using HomePaymentGuide.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site. We may update these terms at any time, and your continued use of the Site after any changes constitutes acceptance of the revised terms.
2. Description of Service
HomePaymentGuide.com provides a free online mortgage payment calculator for general informational and planning purposes. The Site is provided "as-is" without charge. No account or registration is required to use the calculator. Access to the Site is provided at our sole discretion and may be modified or discontinued at any time without notice.
3. Accuracy Disclaimer — Not Financial or Lending Advice
The results produced by the mortgage calculator are estimates based on standard amortization formulas and the values you enter. These results are intended for general informational and planning purposes only. They do not constitute financial advice, lending advice, loan approval, rate lock, or any kind of formal financing offer.
Actual mortgage payments, interest rates, loan terms, and costs will vary based on your credit profile, lender, property, local taxes, and other factors. You should not rely solely on this calculator when making financial or real estate decisions. Consult a licensed mortgage professional, financial advisor, or real estate attorney for guidance specific to your situation.
4. Intellectual Property
All content on this Site, including but not limited to text, graphics, code, design, and layout, is owned by or licensed to HomePaymentGuide.com. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without express written permission.
5. User Conduct
By using this Site, you agree not to:
- Use the Site for any unlawful purpose or in violation of any applicable laws or regulations
- Attempt to gain unauthorized access to any part of the Site or its related systems
- Use automated tools, bots, scrapers, or scripts to access or extract content from the Site without permission
- Interfere with or disrupt the operation of the Site or its servers
- Attempt to reverse engineer, decompile, or disassemble any aspect of the Site
6. Disclaimer of Warranties
The Site and all content and tools provided on it are offered on an "as-is" and "as-available" basis without warranties of any kind, either express or implied. We make no warranty that the Site will be uninterrupted, error-free, secure, or free of viruses. We make no representation as to the accuracy, completeness, or reliability of any results produced by the calculator.
7. Limitation of Liability
To the fullest extent permitted by applicable law, HomePaymentGuide.com and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Site or its tools. This includes, without limitation, damages for lost profits, lost data, financial losses, or any harm resulting from reliance on information provided by the Site.
8. Governing Law
These Terms of Use are governed by and construed in accordance with the laws of the State of Delaware, USA, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Delaware.
9. Changes to These Terms
We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the Site, and the effective date will be updated accordingly. Your continued use of the Site after any changes are posted constitutes your acceptance of the revised terms.
10. Contact
If you have questions about these Terms of Use, please contact us at: