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. 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.
2. 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. Contact a licensed lender for an actual quote.
3. Accuracy
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.
4. 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.
5. 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.
6. Jurisdiction
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.
7. 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.
8. Reporting errors
If you believe a calculator, rate display, or piece of content is inaccurate, please email editorial@primemortgagecalc.com. We review every report and document corrections on the relevant page.