Terms of Service

Effective Date: January 2026

1. Acceptance of Terms

By accessing and using FHAorConventional.com, you agree to comply with and be bound by these Terms of Service. If you do not agree to these terms, please refrain from using our web application.

2. Financial Information & No Advice Disclaimer

FHAorConventional.com is NOT a licensed mortgage lender, mortgage broker, financial advisor, or credit counseling service.

All calculations, interest rate benchmarks, upfront MIP estimates, and 30-year lifetime comparisons provided by this application are for general informational and educational purposes only. Results do not constitute an official loan estimate (LE), rate lock, or pre-approval commitment.

3. Limitation of Liability

In no event shall FHAorConventional.com or its creators be held liable for any decisions made or actions taken based on calculations generated by this platform. Users are advised to verify all loan figures with a certified NMLS mortgage professional.

4. Intellect & Modifications

We reserve the right to update or modify these Terms at any time without prior notice. Continued use of the website signifies acceptance of any updated policies.