Disclaimer
The calculators, tools, and content on PrimeMortgageCalc.com are provided for informational and educational purposes only. They do not constitute financial, tax, legal, or investment advice, and they are not a loan offer.
1. General information
PrimeMortgageCalc publishes mortgage calculators, rate displays, comparisons, and explanatory articles for general information. Everything on this site reflects the inputs shown on screen at the moment you use it, and exists to help you understand how mortgage arithmetic works. It is not prepared for your particular circumstances, it is not an offer or a solicitation, and it should not be the only basis for any borrowing, refinancing, or investment decision. The figures you see are the output of standard formulas applied to the values on the page — nothing more, and nothing less.
2. No financial advice
Nothing on this site is a recommendation to buy, sell, refinance, or hold any financial product. Mortgage decisions depend on your credit profile, income, debt, employment, family situation, and goals — variables we cannot evaluate. Always consult a qualified, licensed financial advisor, mortgage professional, or tax advisor before making financial decisions. We do not know your reserves, your tax position, your timeline, or your risk tolerance, and no calculator on this site can account for them. Treat every result as an input to a conversation with a licensed professional, not as the conclusion of one.
3. Not a loan offer
Calculator results are estimates based on the inputs you provide and standard formulas. They are not a Loan Estimate, not a pre-approval, and not an offer of credit. Actual loan offers from lenders depend on your full financial picture and may differ substantially from our estimates. We are not a lender, not a broker, and not a loan originator. Nothing you enter on this site is transmitted to any lender, and using our tools creates no relationship between you and any financial institution. Contact a licensed lender for an actual quote.
4. Accuracy and no warranty
Our formulas are standard and well-documented (see our How We Calculate page). However, our default inputs are educated guesses, not commitments about your specific situation. Property tax rates vary by jurisdiction; insurance premiums vary by carrier and coverage; PMI rates vary by credit score and product. The accuracy of any estimate is bounded by the accuracy of the inputs. We make no warranty, express or implied, that any calculator is error-free, current, or fit for a particular purpose. Where a published guideline, agency fee schedule, or market average changes, our default values may lag until the next scheduled review.
5. Forward-looking estimates
Every payment, balance, interest total, savings figure, and break-even point shown on PrimeMortgageCalc is a projection built from assumptions: a rate that can change, a term you selected, taxes and insurance you may have adjusted, and a market that will not behave like a spreadsheet. Projections are illustrative. They describe what would happen if the assumptions hold, and nothing beyond that. Refinance savings, rent-versus-buy comparisons, and payoff dates are especially sensitive to small movements in rate or timing, so treat them as ranges rather than answers. Any interest rate displayed on this site is an example chosen to be realistic for the period shown — it is not a quote, not a commitment, and not a forecast of where rates are heading.
6. Rate data
Where we display market interest rates, the data is sourced from third-party providers and may be delayed, rounded, or otherwise inaccurate. Live mortgage rates change continuously and depend on your credit profile, loan size, property location, and the specific lender. Our rates are not quotes. Unless a figure is clearly labeled as live and attributed to a source, assume it is illustrative. Do not use a rate shown here to shop a lender or to negotiate an existing offer; ask a licensed lender for current pricing in writing before you act.
7. External links
This site links to government agencies, industry sources, news organizations, and other third-party websites for your convenience. PrimeMortgageCalc does not control those sites and is not responsible for their content, accuracy, privacy practices, or availability. A link is a reference, not an endorsement of the site, its products, or its claims. You assume that risk when you leave our site, and you should evaluate every third-party source on its own terms before relying on it. If you find a link that is broken, paywalled, or inappropriate, report it to [email protected] and we will review it.
8. Professional consultation
Mortgage lending is regulated, and the rules differ by state, by loan type, and by borrower profile. Property tax treatment, mortgage insurance termination, assumability, recasting, discount points, and prepayment penalties all vary by product and jurisdiction. Nothing here substitutes for advice from people who hold the relevant licenses: a mortgage loan originator for loan terms and disclosures, a CPA or tax advisor for deductions and equity treatment, an attorney for contract questions, and a licensed insurance agent for coverage decisions. If a result on this site would influence what you sign, have a qualified professional confirm it first.
9. No guarantee of results
Rates, home prices, approvals, and appraisals are outside our control, and we guarantee nothing about the outcome of any decision made with our tools. We do not promise the rate you will be offered, the approval you will receive, the value of a property, or the savings from a refinance. Market conditions shown on this site are historical or illustrative and are not a predictor of future conditions. A comparison that favors one option today can favor the other after a single rate move, which is why every result should be re-run with the numbers a lender actually quotes you.
10. Limitation of liability
To the maximum extent permitted by law, PrimeMortgageCalc and its operators disclaim all warranties, express or implied, regarding the accuracy, reliability, or fitness for any particular purpose of any calculator result, rate display, or content on this site. We are not liable for any financial loss, decision, or action taken in reliance on our calculators or content. We are not liable for consequential, incidental, or indirect damages of any kind. Your sole remedy for dissatisfaction with the site is to stop using it.
11. Jurisdiction and limitations
Our calculators use generic US-market assumptions. State-specific rules (property tax caps, conforming loan limits, state-specific first-time buyer programs, transfer taxes, etc.) are not modeled unless you provide them. Use of this site is governed by our Terms of Service. Some jurisdictions do not allow certain warranties or limitations of liability, so parts of the exclusions above may not apply to you; where that is the case, our liability is limited to the maximum extent permitted by law. Nothing in this disclaimer limits any right you have that cannot legally be waived.
12. Editorial independence
PrimeMortgageCalc may be funded by advertising and affiliate partnerships. Advertisers do not see, edit, or approve our calculators, formulas, or editorial content. We do not sell leads to lenders. Editorial decisions are made by our content team alone. Advertising relationships never determine formula logic, default values, or the order in which options appear in our comparisons. For the full standards behind our numbers, see the methodology page.
13. Reporting errors
If you believe a calculator, rate display, or piece of content is inaccurate, please email [email protected]. Include the page URL, the inputs you used, and the result you expected, so we can reproduce the issue. We review every report and document corrections on the relevant page when the change is material. Questions about how a number is produced are answered on our How We Calculate page; questions about your data are covered by our Privacy Policy.