Disclaimer

Educational only

The calculators, guides, and other information on HomeReadyCalc are provided for general educational and informational purposes only. They are not — and should not be relied on as — financial, investment, tax, legal, accounting, or real-estate advice.

Estimates, not quotes

Our calculators use national averages and simplified assumptions to produce estimates. Your actual mortgage rate, property tax, homeowners insurance premium, PMI rate, and closing costs depend on your specific lender, location, credit profile, and property. Always confirm numbers with a licensed mortgage professional before making any financial decision.

No relationship

Using HomeReadyCalc does not create any client, advisory, or other professional relationship between you and us. We are not a mortgage lender, broker, or loan originator, and we do not originate or service loans.

Third-party links

The site may link to third-party websites for reference. We are not responsible for the content, accuracy, or availability of any third-party site.

Limitation of liability

To the fullest extent permitted by law, HomeReadyCalc and its operators disclaim all warranties, express or implied, regarding the accuracy or completeness of the information on the site, and are not liable for any direct, indirect, incidental, or consequential damages that result from your use of the site.

Your responsibility

Before making any home-buying, financing, or other major financial decision, please consult a qualified professional who can review the specifics of your situation.