Terms of Use and Disclaimer

Last updated: November 6, 2026

By using HouseMath (housemath.org), you agree to these terms. If you don’t agree, please don’t use the site.

Not financial advice

HouseMath provides calculators and articles for general information and education only. Nothing on this site is financial, investment, tax, legal or real estate advice, and nothing here is a recommendation to buy, sell, refinance or borrow. We are not a lender, mortgage broker, financial advisor, tax professional or attorney, and using this site does not create any professional or advisory relationship.

Your situation is unique. Before making a financial decision, talk to a qualified professional, such as a licensed loan officer, financial advisor, tax professional or attorney, who can review your full circumstances.

Estimates only

Calculator results are estimates based on the numbers you enter and on simplifying assumptions described on each page. They are not loan offers, rate quotes, pre-approvals or guarantees of any outcome. Actual payments, rates, taxes, insurance, fees, home values and investment returns will differ. Lenders use their own criteria, and results from this site do not mean you will qualify for any loan.

Accuracy

We work to keep our formulas and information correct, but we make no promise that the site is complete, accurate, current or free of errors. Laws, rates and market conditions change. If you find a mistake, please let us know.

No warranties

The site and everything on it are provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose and non-infringement. We don’t guarantee the site will always be available or work without interruption.

Limitation of liability

To the fullest extent permitted by law, HouseMath and its owners will not be liable for any direct, indirect, incidental, consequential or other damages, including financial losses, arising from your use of, or reliance on, the site, its calculators or its content. You use the site and act on its results at your own risk. Some jurisdictions don’t allow certain limitations, so some of these may not apply to you.

Advertising and links

The site is supported by advertising and may include links to other websites, some of which may pay us a commission. We don’t control and aren’t responsible for third-party sites, products, services or ads, and a link or ad is not an endorsement. If we earn a commission from a link, we will say so near that link.

Acceptable use

You may use the site for personal, non-commercial purposes. Please don’t copy or republish our content or calculators in bulk, scrape the site, or interfere with how it works.

Content ownership

The text, design and code on this site belong to HouseMath unless noted otherwise and are protected by copyright.

Governing law

These terms are governed by the laws of the State of Pennsylvania, without regard to its conflict of law rules.

Changes

We may update these terms from time to time. The date at the top shows when they last changed. Continuing to use the site after a change means you accept the updated terms.

Contact

Questions about these terms: hello@housemath.org.