Legal Disclosures

Disclaimer

FHA Loan Calculator is an independent, educational website that provides information and tools related to FHA loans and mortgage financing. We are not affiliated with, endorsed by, or connected to the Federal Housing Administration (FHA), the U.S. Department of Housing and Urban Development (HUD), or any government agency.

The information provided on this website is for general informational and educational purposes only. It is not intended to be a source of financial, legal, or tax advice. The calculators, tools, and content on this website are designed to give users a general understanding of FHA loan concepts and potential costs but should not be relied upon as definitive or precise.

While we strive to keep the information on this website accurate and up-to-date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on this website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

Before making any financial decisions, we strongly recommend consulting with a qualified mortgage professional, financial advisor, or housing counselor who can provide personalized advice based on your specific circumstances.

Calculator Disclaimer

The calculators provided on this website are designed to give users a general idea of potential FHA loan costs, payments, and scenarios. However, they are subject to the following limitations:

• Results are estimates only and not guaranteed to be accurate.
• Calculations are based on the information you input and the mathematical formulas used by our calculators.
• Actual loan terms, rates, fees, and costs will vary based on your individual circumstances, the lender you choose, and current market conditions.
• The calculators may not account for all potential costs associated with obtaining a mortgage, such as certain closing costs, prepaid items, or lender-specific fees.
• Tax implications are not fully addressed in our calculators and may significantly affect your overall financial situation.
• FHA guidelines, mortgage insurance premiums, and loan limits change periodically. While we attempt to keep our calculators updated, there may be times when they do not reflect the most current guidelines.

By using our calculators, you acknowledge these limitations and understand that the results should be used as a starting point for further research and discussion with qualified professionals, not as the sole basis for making financial decisions.

Terms of Use

Acceptable Use

You agree to use this website only for lawful purposes and in a manner that does not infringe upon or restrict the rights of any third party. Prohibited activities include but are not limited to:

• Using this website in any way that could disable, overburden, damage, or impair the site or interfere with any other party's use of the website.
• Attempting to gain unauthorized access to secured portions of the website, other user accounts, or computer systems or networks connected to the website.
• Introducing any viruses, Trojan horses, worms, logic bombs, or other malicious or technologically harmful material to the website.
• Collecting or harvesting any information from the website, including email addresses, without authorization.
• Impersonating or attempting to impersonate FHA Loan Calculator, a FHA Loan Calculator employee, another user, or any other person or entity.
• Engaging in any other conduct that restricts or inhibits anyone's use or enjoyment of the website, or which, as determined by us, may harm FHA Loan Calculator or users of the website or expose them to liability.

Intellectual Property

The content on this website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of FHA Loan Calculator or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may access, copy, download, and print the material contained on the website for your personal and non-commercial use, provided you do not modify or delete any copyright, trademark, or other proprietary notices. Any other use of content on this website, including reproduction, modification, distribution, transmission, republication, display, or performance, without the prior written consent of FHA Loan Calculator, is strictly prohibited.

User Contributions

The website may contain message boards, chat rooms, personal web pages or profiles, forums, bulletin boards, and other interactive features that allow users to post, submit, publish, display, or transmit content or materials to or through the website.

Any user contribution you post to the site will be considered non-confidential and non-proprietary. By providing any user contribution on the website, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material for any purpose.

You represent and warrant that all of your user contributions comply with these Terms of Use, and you will be liable for any breach of that representation and warranty.

Links to Other Websites

This website may contain links to third-party websites or services that are not owned or controlled by FHA Loan Calculator. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that FHA Loan Calculator shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

Termination

We may terminate or suspend your access to all or part of the website, without notice, for any conduct that we, in our sole discretion, believe is in violation of any applicable law or is harmful to the interests of another user, a third-party, or us.

Limitation of Liability

In no event shall FHA Loan Calculator, its officers, directors, employees, or agents, be liable to you for any direct, indirect, incidental, special, punitive, or consequential damages whatsoever resulting from any:

• Errors, mistakes, or inaccuracies of content
• Personal injury or property damage, of any nature whatsoever, resulting from your access to and use of our website
• Any unauthorized access to or use of our secure servers and/or any and all personal information and/or financial information stored therein
• Any interruption or cessation of transmission to or from our website
• Any bugs, viruses, Trojan horses, or the like, which may be transmitted to or through our website by any third party
• Any errors or omissions in any content or for any loss or damage of any kind incurred as a result of your use of any content posted, emailed, transmitted, or otherwise made available via the website

This limitation of liability applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if FHA Loan Calculator has been advised of the possibility of such damage.

Because some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, our liability in such jurisdictions shall be limited to the maximum extent permitted by law.

Indemnification

You agree to defend, indemnify, and hold harmless FHA Loan Calculator, its officers, directors, employees, and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from:

• Your use of and access to the website
• Your violation of any term of these Terms of Use
• Your violation of any third-party right, including without limitation any copyright, property, or privacy right
• Any claim that your user contribution caused damage to a third party

This defense and indemnification obligation will survive these Terms of Use and your use of the website.

Governing Law

These Terms of Use and any dispute or claim arising out of, or related to, them, their subject matter or their formation (in each case, including non-contractual disputes or claims) shall be governed by and construed in accordance with the internal laws of the State of [State], without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the website shall be instituted exclusively in the federal courts of the United States or the courts of the State of [State], although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms of Use in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms of Use at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our website after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the website.

Licensing Information

FHA Loan Calculator is not a mortgage lender, broker, or originator. We do not offer loans or mortgage products directly. The information provided on this website is designed to help consumers understand FHA loans and make informed decisions about their mortgage options.

If you are seeking a mortgage loan, you should contact a licensed mortgage professional. All mortgage originators must be licensed or registered through the Nationwide Mortgage Licensing System & Registry (NMLS). You can verify a mortgage originator's license or registration by visiting www.nmlsconsumeraccess.org.

Equal Housing Opportunity

FHA Loan Calculator fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

All information on this website is provided with the understanding that FHA Loan Calculator is not engaged in rendering legal, accounting, or other professional services. If legal or other expert assistance is required, the services of a competent professional should be sought.

Contact Us

If you have any questions about these disclosures or terms, please contact us at: