Terms of Use

Acceptance of terms

By accessing or using MyHomeRates.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use this site.

These terms apply to all visitors, readers, and anyone who interacts with the site in any way, including use of the mortgage calculator, reading articles, or submitting the contact form.

Purpose of the site

MyHomeRates.com is an independent educational resource providing general information about US home mortgages. Its purpose is to help American homeowners and homebuyers understand mortgage terminology, rate structures, loan types, and the general process of borrowing against property.

The site does not originate mortgage loans, broker mortgage products, or provide regulated financial advice. It is a publishing site only.

No financial advice

All content on this site is for general informational and educational purposes only. Nothing on this site constitutes financial advice, mortgage advice, legal advice, investment advice, or any other form of regulated professional advice.

You should not make any financial decision — including taking out a mortgage, refinancing, or choosing between loan products — based solely on information from this site. Always consult a licensed mortgage professional or financial advisor who can assess your individual circumstances.

See our full Disclaimer for further detail.

Intellectual property

All original content on MyHomeRates.com — including articles, guides, calculator code, design, layout, graphics, and copy — is the intellectual property of Mike Lucas / MyHomeRates.com unless otherwise stated.

• You may not reproduce, republish, or distribute our content on another website or publication without written permission.
• You may quote short extracts for non-commercial purposes (such as a blog post or social share) provided you clearly attribute MyHomeRates.com and link back to the original page.
• You may not scrape, copy, or reproduce substantial portions of this site's content for commercial use, training AI models, or building competing resources.
• Data and statistics cited from third-party sources (Freddie Mac, Federal Reserve, CFPB, etc.) remain the property of those organisations and are subject to their own terms.

Accuracy and availability

We make reasonable efforts to ensure the accuracy of content published on this site. However, we make no warranty — express or implied — that the information is complete, accurate, current, or fit for any particular purpose.

Mortgage rates, loan limits, tax thresholds, and regulatory requirements change frequently. Information on this site may not reflect the most current position. Always verify important figures with primary sources or a licensed professional.

We reserve the right to modify, update, or remove any content at any time without notice. We do not guarantee that the site will be available continuously or free from errors.

Calculator tool

The mortgage calculator provided on this site is an educational estimation tool. Results are based on standard amortisation formulas and the inputs you provide. They are not mortgage quotes, pre-approvals, or commitments of any kind.

Calculator outputs do not account for property taxes, insurance, PMI premiums, HOA fees, closing costs, or your actual credit profile. Only a licensed lender can provide a formal Loan Estimate.

External links

This site contains links to external websites for reference and citation purposes. We do not control external sites and are not responsible for their content, accuracy, privacy practices, or availability. Linking to an external resource does not imply endorsement of that site or organisation beyond the specific data or document referenced.

Advertising

This site displays advertisements served automatically by Google AdSense. The appearance of an advertisement does not constitute an endorsement of the advertiser, their products, or their services. We do not control which specific ads are displayed.

We are not responsible for the content of any advertisement shown on this site. If you encounter an advertisement you believe is inappropriate, you can report it to Google directly.

User conduct

By using this site you agree not to:

• Use the site for any unlawful purpose or in a way that violates any applicable law or regulation.
• Attempt to gain unauthorised access to any part of the site or its infrastructure.
• Scrape, crawl, or harvest content from this site using automated tools without permission.
• Submit false, misleading, or malicious content via the contact form.
• Use the site to transmit spam, malware, or any other harmful content.

Limitation of liability

To the maximum extent permitted by applicable law, MyHomeRates.com and its owner Mike Lucas shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, this site or its content — including any financial loss resulting from reliance on information published here.

Your use of this site is entirely at your own risk.

Governing law

These Terms of Use are governed by the laws of England and Wales. Any disputes arising from use of this site will be subject to the exclusive jurisdiction of the courts of England and Wales, to the extent permitted by law.

Users accessing this site from the United States and other jurisdictions do so on their own initiative and are responsible for compliance with applicable local laws.

Changes to these terms

We reserve the right to update these Terms of Use at any time. Changes will be posted on this page. Your continued use of the site after any change constitutes your acceptance of the revised terms.

Contact

If you have any questions about these Terms of Use, please reach us via the contact page.