Terms of Service

Last updated: June 2026. By using VisualMortgage, you agree to these terms. Please read them carefully.

Educational use only

All content on VisualMortgage -- including calculators, guides, glossary definitions, and all other materials -- is provided for educational and informational purposes only. Nothing on this site constitutes financial advice, mortgage advice, legal advice, or tax advice. Calculator outputs are mathematical estimates based on the inputs you provide and standard amortization formulas. They do not represent a loan offer, commitment, or guarantee of any kind.

Before making any mortgage, refinancing, or home purchase decision, consult a licensed mortgage professional, financial advisor, or other qualified professional who can evaluate your specific financial situation and goals.

Accuracy and limitation of liability

We make reasonable efforts to ensure our calculators use standard, accurate formulas and our guides reflect current mortgage industry practices. However, mortgage rules, program limits, interest rate environments, and lender requirements change frequently. We cannot guarantee that all information on this site is current, complete, or accurate at the time you read it. Use of any information or tool on this site is at your own risk.

VisualMortgage is not liable for any financial decisions made based on information obtained from this site. Any errors in calculator outputs, guide content, or other materials do not create any liability on the part of VisualMortgage or its operators.

No lender relationship

VisualMortgage is not a mortgage lender, mortgage broker, or financial institution. We do not originate, process, or underwrite loans. We do not provide rate quotes and we do not refer users to specific lenders in exchange for compensation. Using this site does not create any lender-borrower relationship.

Intellectual property

All content on VisualMortgage, including text, calculator logic, design, and graphics, is owned by VisualMortgage and protected by applicable intellectual property laws. You may use the calculators and read the guides for personal, non-commercial educational purposes. You may not reproduce, republish, or redistribute content from this site without written permission.

Changes to these terms

We may update these terms from time to time. Continued use of the site after an update constitutes acceptance of the revised terms. The updated date at the top of this page reflects the most recent revision.

Questions? Use the contact page to reach us.