Legal

Terms of Service

Last updated: August 30, 2026

Use of the tool

HomMetra provides a free mortgage calculator and informational content. The tool is intended for personal, non-commercial educational use. You agree not to use it to misrepresent figures or beyond ordinary personal use.

Not financial or lending advice

The calculator and articles provide estimates and general information only. They are not loan approval, a rate lock, or professional financial/legal advice. Actual payments depend on lender underwriting, closing costs, PMI and localized tax rates. Consult a qualified professional before making a home purchase decision.

No guarantees

Calculations are provided "as is" without warranty. While we aim for accuracy, rates and regulations change, and estimates involve assumptions. We are not liable for decisions made based on the output of this tool.

Intellectual property

All content, design and code on this site are owned by HomMetra unless otherwise noted. You may share links freely but may not reproduce substantial portions without permission.

Changes

We may update these terms from time to time. Continued use of the site after changes constitutes acceptance.