Terms of Service & Disclaimer
The rules for using this site, and the limits of what its numbers can be relied on for.
Last reviewed Oct 25 2026
Maintained by bigbenben, Independent developer — corrections and questions: contact@mortmath.com
Estimates, not offers
Every figure this site produces is an estimate for planning. Nothing here is an offer or a commitment to lend, a rate lock, a loan approval, or a guarantee of any rate, payment, tax or premium. Only a lender's written commitment, an assessor's assessment and an insurer's policy can do that.
Not professional advice
This is an information tool, not an adviser. Nothing on the site is financial, investment, tax, legal, accounting or insurance advice, and no advisory relationship arises from using it. Decisions about a mortgage belong with you and a licensed professional who knows your circumstances.
Accuracy
Figures are drawn from the published sources listed on the methodology page and are provided as they are, without warranty of any kind. Interest rates move weekly, assessments change, and premiums depend on the individual property — so a figure that was right when the page was built may not be right when you read it. Every page states the date of the data behind it.
Using the site and its numbers
You are welcome to use the calculators and to quote the figures with a link to the page they came from. The county-level data is derived from U.S. Census Bureau estimates, which are in the public domain; the compilation and the derived figures are this site's own.
Limitation of liability
To the extent permitted by law, this site and its author are not liable for any loss arising from the use of, or reliance on, any figure or statement on it.
Changes
These terms may be revised, and the reviewed date at the foot of this page moves whenever they are.