Educational information only
Homeownership Numbers provides general information about mortgages, home buying, and homeownership costs in the United States. Articles and calculators are educational resources, not mortgage offers, financial, legal, tax, insurance, or lending advice. Using the site does not create a professional or lender relationship.
Calculator assumptions and limitations
Calculator results depend on the values entered and the assumptions shown with each tool. They may not include every fee, loan-program rule, escrow adjustment, tax, insurance cost, homeowners association charge, prepayment condition, or transaction-specific item. Results are estimates, not loan quotes, approvals, payoff statements, underwriting decisions, or guarantees of savings.
Accuracy and changes
We work to provide clear explanations and link to relevant primary sources where possible. Mortgage rates, fees, eligibility criteria, tax rules, insurance terms, and government programs can change. Visitors should verify time-sensitive details with the responsible agency, lender, servicer, insurer, tax authority, or qualified professional before acting.
External websites and services
Links to government agencies, consumer resources, and other third-party websites are provided for additional information. Homeownership Numbers does not control those websites and is not responsible for their content, terms, privacy practices, or availability. A link does not imply endorsement of a lender, insurer, product, or service.
Acceptable use
You may use the website for lawful personal and educational purposes. You may not interfere with site security or availability, impersonate another person, attempt unauthorized access, misuse the calculators, or reproduce substantial portions of content in a way that violates applicable rights.
Content and intellectual property
Unless otherwise stated, Homeownership Numbers branding, original written content, page design, and website code are protected by applicable intellectual-property laws. Third-party names, marks, and linked resources remain the property of their respective owners. Contact the site before substantial reproduction or commercial reuse of its original material.
Limitations
The website is provided for general informational use. To the extent permitted by applicable law, Homeownership Numbers does not guarantee that the site will always be available, uninterrupted, error-free, or suitable for a particular decision. Nothing in these terms excludes or limits rights or remedies that cannot lawfully be excluded or limited.
Changes and contact
These terms may be revised when the website, its services, or applicable requirements change. Questions about these terms may be sent through the Contact page.
Frequently Asked Questions
Can I rely on a calculator for a mortgage application?
No. Use current lender disclosures, loan documents, and servicer statements for decisions and payments.
Are third-party links endorsements?
No. Links provide additional references and do not imply that Homeownership Numbers endorses a particular lender, insurer, product, or service.
Does using a calculator submit my financial information?
The calculators run in your browser and do not send the values you enter to a Homeownership Numbers server.
Sources and Further Reading
Homeownership Numbers is an educational website. It is not a lender, mortgage broker, financial adviser, tax professional, insurance company, or government agency.