# MortgageCompare terms of use

Effective date: September 30, 2026

MortgageCompare is an informational calculator for comparing user-supplied mortgage offers. Use it to explore the cost tradeoffs of fixed-rate, fully amortizing loans for the same principal amount. The calculator uses the terms and assumptions you supply; actual lender quotes, settlement figures, insurance, taxes, and future expenses can differ.

The calculated lowest-cost offer reflects the selected time horizon and financing-cost definition. It is not a binding loan quote, a guarantee of approval, or a determination that a loan is suitable for you. Confirm important terms with the lender and review final loan documents before committing to a mortgage.

The service does not submit loan applications, pull credit, process payments, contact lenders, or provide live personalized rates. It does not model adjustable rates, temporary buydowns, financed fees, different down payments, cash-out differences, extra principal payments, interest-only periods, balloons, or prepayment penalties.

You are responsible for entering accurate terms and keeping any reports you choose to export. Do not include unnecessary personal identifiers, attempt to access another person's data, or interfere with the service. Availability depends on the operator's hosting and may change.

The [privacy policy](/privacy) explains what the application processes. Contact the operator through the [support page](/support) with questions.