Home Finance Guide publishes general educational content about mortgages and home loans. Nothing on this site is personalized financial, legal, tax, or investment advice. Decisions about your specific situation should be made in consultation with a licensed mortgage professional, financial advisor, attorney, or tax advisor.
1. About these Terms
These Terms of Use govern your access to and use of Home Finance Guide (the "Site"). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
2. Educational Content Only
The content on this Site is provided for general informational and educational purposes only. It is not intended to be, and should not be construed as:
- Personalized financial, legal, tax, or investment advice
- An offer to lend money or extend credit
- A recommendation to purchase, sell, or refrain from any specific financial product
- A substitute for consultation with a licensed mortgage professional, financial advisor, attorney, or accountant
Mortgage products, interest rates, qualification requirements, and applicable laws vary by lender, location, and individual circumstance. Examples and figures used on this Site are illustrative only and may not reflect the terms available to you.
3. No Lender Relationship
Home Finance Guide is not a lender, mortgage broker, mortgage banker, real estate agent, or financial institution. We do not originate, process, fund, or service loans of any kind. Reading our content does not create any lender-borrower, advisor-client, or fiduciary relationship.
4. Accuracy and Currency of Information
We make reasonable efforts to ensure information on the Site is accurate and current at the time of publication. However:
- Mortgage rates change daily and may differ significantly from any rates referenced on the Site
- Lender requirements, government programs, and tax laws change over time
- We do not guarantee that all content is up-to-date at the time you read it
Always verify current rates, requirements, and rules with a licensed professional or directly with the relevant lender or government agency before making any decision.
5. Third-Party Information and Links
The Site may link to or reference third-party websites, products, or services. These links are provided for convenience and do not constitute endorsement. We are not responsible for the content, accuracy, or practices of third-party sites.
6. Intellectual Property
All content published on Home Finance Guide — including articles, design, layout, and graphics — is the property of Home Finance Guide or its licensors and is protected by copyright and other intellectual property laws. You may share links to our articles and quote brief excerpts with attribution. You may not reproduce, republish, or redistribute substantial portions of our content without prior written permission.
7. Disclaimer of Warranties
The Site and its content are provided "as is" and "as available" without warranties of any kind, express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.
We do not warrant that the Site will be available without interruption, error-free, or free of viruses or other harmful components.
8. Limitation of Liability
To the fullest extent permitted by law, Home Finance Guide and its operators, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your access to, use of, or reliance on the Site or its content — including any financial decisions made based on information found here.
Your sole remedy for dissatisfaction with the Site is to stop using it.
9. Changes to the Site or Terms
We may modify, suspend, or discontinue the Site or any portion of it at any time without notice. We may also update these Terms from time to time. Continued use of the Site after changes constitutes acceptance of the updated Terms.
10. Governing Law
These Terms are governed by the laws of the United States and the state in which the Site's operator resides, without regard to conflict-of-law principles. Any disputes arising from these Terms or your use of the Site shall be resolved in the courts of competent jurisdiction in that state.
11. Contact
Questions about these Terms? Contact us.