Last updated: October 26, 2026
These Terms of Service (“Terms”) govern your use of this website (the “Site”), operated by the HomeAffordLab team (“HomeAffordLab,” “we,” “us”). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
1. Educational Purpose Only
All content, calculators, and tools on the Site are provided for general educational and informational purposes. Nothing on the Site is financial, legal, tax, or lending advice, and nothing is an offer or commitment to lend. We are not a mortgage lender, broker, or loan originator, and we do not make credit decisions.
2. Calculator Results
Calculator results are estimates based on the information you enter and on assumptions we state on each tool (for example, average property tax rates, insurance costs, or mortgage insurance premiums). Actual rates, payments, fees, and loan approval depend on your full financial profile, the lender, the property, and market conditions on the day you apply. Always confirm figures with a licensed lender before making a decision.
3. Accuracy and Updates
We review our content regularly and cite official sources such as HUD, the VA, the CFPB, Fannie Mae, Freddie Mac, and the IRS. Loan limits, program rules, and rates change often, and we cannot guarantee that every page reflects the latest change at all times. If you spot an error, please tell us through our Contact page.
4. Acceptable Use
You agree not to: copy, scrape, or republish our content or tools without written permission; interfere with the Site’s operation or security; use bots or automated means to access the Site; or click on advertisements artificially or encourage others to do so.
5. Intellectual Property
The Site’s text, calculators, code, graphics, and design are owned by HomeAffordLab or its licensors and protected by copyright and trademark law. You may share links to our pages and quote short excerpts with attribution and a link back.
6. Third-Party Links and Advertising
The Site displays ads and may link to third-party websites, including lenders and financial service providers. We do not control and are not responsible for their content, products, rates, or privacy practices. An advertisement does not mean we endorse the advertiser.
7. Disclaimer of Warranties
The Site and its tools are provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of accuracy, merchantability, or fitness for a particular purpose.
8. Limitation of Liability
To the fullest extent permitted by law, HomeAffordLab will not be liable for any indirect, incidental, special, or consequential damages, or for any loss arising from your reliance on content or calculator results on the Site. Our total liability for any claim related to the Site will not exceed $100.
9. Governing Law
These Terms are governed by the laws of Spain, without prejudice to any mandatory consumer-protection rights you have under the laws of the state or country where you live. Any dispute will be submitted to the courts that have jurisdiction under applicable law.
10. Changes
We may update these Terms at any time. Continued use of the Site after changes are posted means you accept the updated Terms.
11. Contact
Questions about these Terms: Contact page