Please read these Terms of Use carefully before accessing or using PhysicianMortgageCalculator.com (the "Website"). By using any portion of this Website — including its calculators, articles, comparison tools, or inquiry forms — you agree to be bound by these Terms. If you do not agree to these Terms, you must discontinue use of the Website immediately.
01Scope of Service & Non-Lender Status
PhysicianMortgageCalculator.com is an independent educational media resource, digital publisher, and information platform. We are not a mortgage broker, mortgage lender, loan originator, bank, credit union, financial advisor, or licensed real estate professional. We are not affiliated with, sponsored by, or acting as an agent for any lending institution featured or referenced on this platform.
We do not solicit, originate, process, underwrite, fund, place, or negotiate residential mortgage loan applications. We do not issue pre-qualification certificates, Good Faith Estimates (GFEs), official Loan Estimates (LEs), credit decisions, or binding rate or payment commitments of any kind. Nothing on this Website constitutes a mortgage application or the initiation of a lending relationship.
02Permitted Use of Content & Interactive Tools
Content published on PhysicianMortgageCalculator.com — including articles, guides, calculation outputs, comparison tables, lender profiles, and visual assets — is protected under applicable copyright and intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use this Website for personal, non-commercial educational purposes only.
The following uses are expressly prohibited:
- Scraping, crawling, or automated extraction of any content, data, or outputs from this Website
- Reverse-engineering, decompiling, or replicating any portion of our calculation engines or proprietary simulation logic
- Reproducing, redistributing, or commercially exploiting any Website content without express written consent
- Using Website content to train machine learning models or artificial intelligence systems
- Framing or deep-linking to Website content in a manner that misrepresents its origin or affiliation
Violation of these terms may result in termination of your access and may expose you to legal liability.
03Accuracy of Simulations
All interactive calculators, estimation engines, and data visualization tools on this Website generate illustrative outputs based on the numerical variables you provide and standard mathematical formulas. These outputs are strictly simulations — not official financial documents.
Calculation results:
- Do not constitute a Good Faith Estimate (GFE) or official Loan Estimate (LE) under RESPA or TRID guidelines
- Do not represent a commitment to lend, a guaranteed interest rate, or a guaranteed payment figure
- May exclude local property taxes, homeowners insurance, HOA assessments, title fees, and individual lender origination costs
- Are based on simplified assumptions and may not reflect your specific credit profile, debt-to-income ratio, or lender overlays
Actual loan terms offered by any lender will depend on your individual underwriting qualification and may differ materially from any figure generated by our tools.
04Third-Party Links & Disclaimers
This Website may reference, profile, or link to third-party lenders, financial institutions, and external resources. Such references do not constitute endorsements, recommendations, or guarantees of those entities' products, rates, guidelines, or services.
Mortgage lender program criteria — including eligible specialties, qualifying loan amounts, down payment minimums, debt-to-income thresholds, and credit score floors — are set independently by each institution and are subject to change without notice. You must verify all current program terms, rates, and eligibility requirements directly with a licensed loan officer at the respective lending institution. PhysicianMortgageCalculator.com does not guarantee the accuracy, completeness, or current availability of any lender program described on this platform.
05Indemnification & Limitation of Liability
You agree to indemnify, defend, and hold harmless PhysicianMortgageCalculator.com, its owners, operators, developers, contributors, and affiliates from any claim, demand, liability, loss, damage, cost, or expense (including reasonable attorneys' fees) arising out of or related to: (a) your use of or reliance on the Website or its content; (b) your violation of these Terms; or (c) your violation of any applicable law or third-party rights.
In no event shall PhysicianMortgageCalculator.com or its affiliates be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your access to, use of, or inability to use this Website, or any errors, omissions, or inaccuracies in the content or calculation tools provided. This limitation applies regardless of whether liability is based in contract, tort, negligence, strict liability, or any other theory, and even if we have been advised of the possibility of such damages.
Your sole remedy for dissatisfaction with the Website or its content is to discontinue use.
06Governing Law & Equal Housing Opportunity
These Terms of Use shall be governed by and construed in accordance with the laws of the United States and the state in which PhysicianMortgageCalculator.com is domiciled, without regard to conflict-of-law principles. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the applicable courts in that state.
PhysicianMortgageCalculator.com supports and promotes the principles of the Fair Housing Act and the Equal Credit Opportunity Act.
Equal Housing Opportunity. We provide educational information about residential mortgage programs without regard to race, color, religion, national origin, sex, disability, familial status, or marital status. All users are welcome.