Terms of Use
Last updated: 31 July 2026
By accessing or using Mortgage Calculator, published by M4Quick LLC, you agree to be bound by these Terms. If you disagree with any part of them, please do not use the site.
Mortgage Calculator provides a free online calculator that estimates monthly mortgage payments, refinance comparisons, affordability and the effect of extra payments, together with educational articles on how mortgage costs are structured. The service is provided "as is" without warranties of any kind.
This site provides general educational information only. It is not financial, mortgage, tax or legal advice, and using it does not create a adviser–client relationship. Always consult a qualified professional before acting on anything you read here.
Calculations are illustrative estimates based only on the figures you enter. They exclude costs that materially change a real payment — among them private mortgage insurance, HOA dues, closing costs, points, escrow shortfalls and rate adjustments on variable products. Results are not loan offers, pre-qualifications or guarantees of any rate or term. Only a lender can tell you what you actually qualify for.
You agree to use this site only for lawful purposes. You agree not to use it for any illegal purpose, interfere with or disrupt the service, automate access using bots or scrapers, or attempt to gain unauthorised access to any part of it.
This site displays third-party advertising and may contain affiliate links, from which we may earn a commission at no additional cost to you. We do not control third-party advertising content, and the presence of an ad is not an endorsement by us.
We link to external resources. We are not responsible for the content, accuracy or practices of any external site.
The content and design of this site are the property of M4Quick LLC unless otherwise noted. You may link to and quote reasonable portions with attribution; wholesale reproduction is not permitted without permission.
To the fullest extent permitted by law, Mortgage Calculator and M4Quick LLC are not liable for any losses or damages arising from use of this site, its calculator or its information. You use the site at your own risk and remain responsible for your own decisions.
We may modify these terms at any time. The "last updated" date above reflects the current version.
Questions about these terms can be sent via our contact page.