Acceptance of terms
By accessing or using EarlyMortgagePayoff.com ("the Site"), you agree to these Terms of Service. If you do not agree, please do not use the Site.
Educational content only — not financial advice
All content on EarlyMortgagePayoff.com is for general informational and educational purposes only. We are not licensed mortgage advisors, financial planners, attorneys, or accountants. Nothing on this Site constitutes personalized financial, mortgage, tax, or legal advice. Always consult a qualified, licensed professional before making any financial decision.
Calculator accuracy
Our calculators implement standard mortgage amortization math and have been validated against industry-standard tools. However, real-world mortgages may include factors we do not model — escrow, PMI, ARM adjustments, prepayment penalties, etc. Use calculator results as estimates only and verify any decision with your loan documents and a qualified professional.
Mortgage rate disclaimer
Rates displayed on the Site are indicative and may not reflect current actual rates available to you. Rates change daily based on credit profile, loan-to-value, market conditions, and lender policies. Always confirm current rates directly with the lender before applying.
Affiliate relationships
The Site participates in affiliate programs with mortgage lenders and financial service providers including LendingTree, Bankrate, Better Mortgage, Rocket Mortgage, and Navy Federal Credit Union. When you click affiliate links and complete qualifying actions, we may receive compensation. This never costs you extra and never influences editorial rankings.
User content and conduct
If you submit content to the Site (contact forms, email subscriptions, comments where applicable), you agree:
- You will not submit unlawful, threatening, or fraudulent content
- You will not impersonate others
- You will not attempt to compromise site security
- You grant us a non-exclusive license to use submitted feedback to improve the Site
Intellectual property
All content on the Site — including calculators, articles, design, code, and trademarks — is owned by EarlyMortgagePayoff.com or its licensors and is protected by US and international intellectual property law. You may not reproduce, distribute, or create derivative works without written permission.
Disclaimer of warranties
The Site is provided "as is" without warranty of any kind, express or implied. We do not warrant that the Site will be error-free, uninterrupted, or that calculator results will be accurate for your specific circumstances.
Limitation of liability
To the maximum extent permitted by law, EarlyMortgagePayoff.com and its operators are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site, including but not limited to financial losses from decisions made based on Site content.
Third-party links
The Site contains links to third-party sites we do not control. We are not responsible for third-party content, privacy practices, or terms of service.
Termination
We may terminate or suspend access to the Site at any time, without notice, for any reason.
Governing law
These Terms are governed by the laws of the United States. Any dispute will be resolved in courts of competent jurisdiction in the United States.
Changes
We may update these Terms periodically. The "Last updated" date reflects the most recent revision. Continued use of the Site after changes constitutes acceptance.
Contact
Questions about these Terms? Email contact@earlymortgagepayoff.com.