1. Acceptance of Terms
By accessing and using SmartRate Estimator (smartrateestimator.com), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using this website.
2. Use License
Permission is granted to use the financial calculation tools, calculators, and educational research content on SmartRate Estimator for personal, non-commercial purposes only.
3. Financial Disclaimer
The materials, calculations, and formulas on SmartRate Estimator are provided for informational and educational estimation purposes only. SmartRate Estimator is not a lender, mortgage broker, or financial advisor, and our calculations do not constitute an official commitment to lend, credit approval, or personalized legal/tax advice.
4. Accuracy of Information
While all calculations follow standard federal Truth in Lending Act (TILA) amortization mechanics and official Fannie Mae/Freddie Mac secondary market guidelines, actual lender fees, APRs, and underwriting requirements may vary. Always obtain an official Loan Estimate (LE) from a licensed Mortgage Loan Originator before making financial decisions.
5. Advertising & Third-Party Disclosure
SmartRate Estimator is supported by advertising, including third-party advertising partners such as Google AdSense. Advertising revenue helps support free public access to our calculation tools and educational resources.
6. Contact Information
For questions regarding these Terms of Service, contact us at austinsanders1985@gmail.com.