Terms of Use

Last updated: December 2024

Acceptance of Terms

By accessing Smart Mortgage Guide (smart-mortgage-guide.online), you agree to these Terms of Use. If you do not agree, please do not use this site.

Educational Purpose Only

All content on Smart Mortgage Guide is provided for educational and informational purposes only. Nothing on this site constitutes financial, legal, or mortgage advice. Mortgage rates, costs, and requirements change frequently — always verify information with a licensed mortgage professional before making any financial decision.

Calculator Accuracy

Our mortgage calculators provide estimates based on the inputs you provide. Results are approximations and do not account for all factors that affect actual mortgage payments, including but not limited to: PMI, HOA fees, flood insurance, local tax rates, and lender-specific fees. Actual payments will vary.

No Warranty

Smart Mortgage Guide is provided "as is" without warranty of any kind. We make reasonable efforts to ensure accuracy but do not guarantee that information is current, complete, or error-free.

Limitation of Liability

Smart Mortgage Guide and its operators are not liable for any damages arising from your use of this site or reliance on information contained herein.

Intellectual Property

Content on this site is protected by copyright. You may share links to our pages but may not reproduce our content without written permission.

Governing Law

These terms are governed by the laws of the State of Indiana, United States.