Terms of Use

Last updated: July 19, 2026

By accessing FL & TX Mortgage Tools (“the Site”), you agree to these Terms of Use. If you do not agree, please do not use the Site.

1. Educational purpose only

All calculators, guides, and content on this Site are provided for general educational and informational purposes only. They are not financial, legal, tax, or mortgage advice. We are not a mortgage lender, broker, or financial advisor.

2. No guarantee of accuracy

Calculator results are estimates based on simplified assumptions and statewide averages. Actual mortgage payments, closing costs, tax rates, insurance premiums, title fees, and reverse mortgage proceeds vary by county, lender, property, credit profile, and date. You must verify all figures with qualified professionals before making financial decisions.

3. Acceptable use

You agree not to:

• Use the Site for any unlawful purpose
• Scrape, copy, or republish substantial portions of the Site without permission
• Attempt to disrupt or compromise the Site's security or performance
• Misrepresent affiliation with us or use our tools to defraud others

4. Intellectual property

The Site's design, text, code, and branding are owned by FL & TX Mortgage Tools unless otherwise noted. You may link to our pages with proper attribution. You may not reproduce our content for commercial use without written consent.

5. Third-party links and ads

The Site may contain links to third-party websites and display third-party advertisements. We do not control and are not responsible for external content, products, or services. Your use of third-party sites is at your own risk.

6. Disclaimer of warranties

THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

7. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, FL & TX MORTGAGE TOOLS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR DATA, ARISING FROM YOUR USE OF THE SITE OR RELIANCE ON CALCULATOR OUTPUTS.

8. Changes

We may modify these Terms at any time. Updated terms will be posted on this page with a revised date. Continued use constitutes acceptance.

9. Governing law

These Terms are governed by the laws of the United States and the state in which the Site operator resides, without regard to conflict-of-law principles.

10. Contact

Questions about these Terms? Visit our Contact page. See also our Privacy Policy.