Terms of Use

Last updated: September 14, 2026

1. What this service is — and is not

Home Loan Matters is an advertising and consumer-referral service. We are not a lender, mortgage broker, correspondent lender, or bank. We do not originate loans, accept applications, negotiate terms, or make credit decisions. We are not affiliated with or endorsed by any government agency. Submitting our form is not a loan application.

2. Estimates are illustrative

Any equity figure, payment figure, or other number shown on this site is an illustration calculated from the estimates you type in. It is not an offer, quote, pre-qualification, approval, or commitment to lend, and it is not a guarantee that any product, amount, rate, or term is available to you. Actual availability and terms are determined solely by a lender after a complete application, credit review, income and asset verification, and property valuation. Loan approval is never guaranteed.

3. Contact consent

By checking the consent box and submitting the form, you ask Home Loan Matters to share your contact details and quiz answers with a mortgage professional serving your state so they can contact you by phone or email about your request. You can withdraw your request as described in our Privacy Policy. This request does not authorize a credit check or obligate you to apply for a loan. A lender may request a credit check if you proceed.

4. Accuracy of your information

You agree that the information you submit is accurate, that it is your own, that the phone number you give is one you are authorized to receive calls and texts at, and that you are at least 18 years old.

5. Third parties

The licensed professionals we refer you to are independent third parties. We do not control their conduct, their products, their rates, or their decisions, and we are not responsible for them. Any agreement you enter into is strictly between you and that party.

6. No warranty; limitation of liability

This site is provided "as is" without warranties of any kind. To the maximum extent permitted by law, we are not liable for indirect, incidental, special, or consequential damages arising from your use of this site, and our total liability will not exceed one hundred dollars.

7. Fair housing

We support the Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, age, marital status, or receipt of public assistance income. Equal Housing Opportunity.

8. Changes and contact

We may update these terms; the date above reflects the current version. Questions: legal@homeloanmatters.com.