Terms of Service

Welcome to mortgagebystate.com. By accessing or using this website you agree to these Terms of Service. If you do not agree, please do not use the site.

1. Who we are and what we do

mortgagebystate.com publishes informational mortgage calculators and plain English guides for US homebuyers. We are not a lender, mortgage broker, loan originator, financial advisor, real estate agent or law firm. Nothing on this site is a loan offer, financial advice, legal advice or tax advice.

2. Informational use only

The calculators and content are provided for general information and educational purposes. All figures are estimates based on publicly available data (Tax Foundation, WalletHub, Census Bureau, FRED, Insurance.com, Bankrate) and the values you enter. Your actual mortgage costs will depend on your personal credit, income, specific property, lender choice, and other factors we cannot know. Verify any number with a licensed mortgage professional before making a financial decision.

3. No warranty

We provide the site "as is" and "as available". We make no warranties, express or implied, about the accuracy, completeness, reliability or timeliness of any calculator output, data figure, article, or feature. State-level property tax rates, insurance averages and loan limits change over time; we update them annually but cannot guarantee any given figure matches today's reality in your specific county or zip code.

4. Limitation of liability

To the maximum extent permitted by law, mortgagebystate.com and its operators will not be liable for any direct, indirect, incidental, special, consequential or punitive damages (including lost profits, lost data, or financial loss) arising from your use of the site, inability to use the site, or reliance on any content or calculator output. Your sole remedy if you are dissatisfied is to stop using the site.

5. Your responsibilities

You will use the site only for lawful purposes
You will not attempt to interfere with site operation (scraping at excessive rates, attempting to breach security, injecting malicious content)
You will not misrepresent our content as personalized advice or a loan offer
You will consult licensed professionals before any mortgage, real estate, tax or legal decision

6. Intellectual property

All original content on mortgagebystate.com - including articles, calculator logic, design, graphics and copy - is owned by mortgagebystate.com and protected by US and international copyright law. You may:

Read and share links to our pages
Quote short excerpts (fair use) with attribution and a link back
Print pages for your personal reference

You may not, without written permission:

Republish entire articles or large portions of our content
Scrape the site at automated rates for commercial use
Pass off our content or calculator as your own product

7. Third party content and links

We link to third-party sites (FRED, state housing finance agencies, lender resources). We do not control and are not responsible for the content, privacy practices or availability of those sites. Visiting them is at your own risk and subject to their own terms.

8. Advertising

This site displays advertising, including Google AdSense. Advertisements are served by third parties and do not constitute endorsement by us. We do not control which specific ads appear and do not vouch for the accuracy of ad copy or the quality of advertised products or services. Click an ad at your own discretion.

9. Changes to the site and these terms

We may add, change or remove features, content and these terms at any time without notice. Significant changes will be reflected in the "Last updated" date at the top of this page. Continued use after a change constitutes acceptance of the new terms.

10. Governing law and jurisdiction

These terms are governed by the laws of the United States. Any dispute arising from your use of the site will be resolved in US courts of competent jurisdiction. If any provision of these terms is found unenforceable, the remaining provisions remain in full force.

11. Contact

Questions about these terms, content corrections, or legitimate takedown notices: [email protected].

12. Severability

If any part of these Terms is held invalid or unenforceable by a court, the remaining parts will continue in full force and effect.