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Terms of Use

Last updated: July 11, 2026

Educational purpose only

US Mortgage Tools provides educational calculators and content. We are not a lender, broker, tax professional, or investment advisor. Nothing on this site is personalized financial, tax, legal, or investment advice. Always consult a licensed professional before making financial decisions.

No warranty of accuracy

We work hard to keep our formulas correct and our tax data current, but we cannot guarantee that every number is right for every situation. Use of this site is at your own risk. If you find an error, please let us know.

Affiliate disclosure

Some outbound links may be affiliate links. When you use them, we may receive a commission at no extra cost to you. We only link to services we would recommend regardless. See our editorial policy.

Acceptable use

Do not scrape, spam, or attempt to circumvent our infrastructure. Do not attempt to reverse-engineer users' inputs (which never leave their browsers anyway).

Governing law

These terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-law principles.