Terms of Service
Effective Date: February 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 and resources.
2. Financial Information & No Lending Advice
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, its developers, or its authors be held liable for any financial decisions made, damages incurred, or actions taken based on calculations generated by this platform. Users are advised to verify all figures with a certified NMLS mortgage professional.
4. Intellectual Property & Acceptable Use
All software code, visual charts, editorial guides, and mathematical implementations on FHAorConventional.com are protected by applicable intellectual property laws. Automated scraping or framing of our tools without prior written consent is strictly prohibited.