Terms of Use

Welcome to mortgage-rates-today.org (“Mortgage Rates Today,” “we,” “our,” or “us”). By accessing or using mortgage-rates-today.org (the “Site”), you agree to comply with and be bound by these Terms of Use (the “Terms”). Please read them carefully before using our Site. If you do not agree with these Terms, please do not use our Site.

1. Overview

mortgage-rates-today.org provides online tools, resources, and information to help users research mortgage, refinance, and home loan options from participating lenders. We are not a lender, broker, or financial institution, and we do not make loans or credit decisions. Our Site allows users to compare general information about mortgage products and connect with participating lenders who may offer services that meet their needs. All loan approvals, rates, and terms are determined directly by those lenders.

2. Eligibility

By using this Site, you confirm that:

  • You are at least 18 years of age.
  • You are a resident of the United States.
  • You have the legal authority to enter into this agreement.

If you do not meet these requirements, you are not authorized to use our Site.

3. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You will not:

  • Provide false, inaccurate, or misleading information.
  • Use the Site to commit fraud or violate applicable laws.
  • Attempt to interfere with or disrupt the operation of the Site.
  • Copy, reproduce, or distribute content from this Site without our permission.

We reserve the right to terminate or restrict access to the Site if we believe your use violates these Terms or applicable law.

4. Our Role and Services

Mortgage Rates Today is an informational platform. We do not:

  • Act as a lender, mortgage broker, or credit provider.
  • Issue loan approvals, quotes, or commitments.
  • Endorse or guarantee the services or rates of any lender.

When you submit your information, we may share it with participating lenders or partners who can review your request and contact you with loan-related offers. You are under no obligation to work with any lender, and we do not charge you for using our Site.

5. Third-Party Lenders and Partners

All lender products, services, and offers are provided directly by third parties, not by Mortgage Rates Today. We do not control, endorse, or assume responsibility for any third-party sites, advertisements, or services.

Your interactions with lenders are solely between you and the lender. We strongly encourage you to review all loan documents, disclosures, and terms directly with the lender before making any financial decisions.

We are not liable for any damages, losses, or claims arising from your dealings with any lender or third party linked through this Site.

6. Privacy and Data Use

Your use of this Site is also governed by our Privacy Policy, which describes how we collect, use, and share personal information. By using this Site, you consent to the practices described in our Privacy Policy.

7. Intellectual Property Rights

All materials on this Site — including text, graphics, logos, icons, images, videos, software, and design — are owned or licensed by Mortgage Rates Today and protected by U.S. and international copyright, trademark, and intellectual property laws.

You may view and print content for personal, non-commercial use only. Any other use, including reproduction, modification, or distribution of Site materials, requires our prior written consent.

8. No Financial or Legal Advice

The information on this Site is provided for general educational and informational purposes only. It does not constitute financial, legal, or professional advice.

You should consult with qualified professionals (such as lenders, financial advisors, or attorneys) before making any financial decisions related to mortgages, refinancing, or homeownership.

9. Disclaimer of Warranties

The Site and all content are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied.

We do not guarantee:

  • The accuracy, completeness, or timeliness of information on the Site.
  • That the Site will operate without interruption or errors.
  • That any lender or third-party service will meet your expectations or needs.

Your use of the Site is at your own risk.

To the fullest extent permitted by law, Mortgage Rates Today disclaims all warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

To the maximum extent permitted by law, Mortgage Rates Today, its owners, affiliates, partners, employees, and agents shall not be liable for any damages arising out of or related to your use of the Site.

This includes, but is not limited to:

  • Direct, indirect, incidental, or consequential damages
  • Loss of data, revenue, or profits
  • Errors, omissions, or interruptions in service
  • Issues arising from interactions with third-party lenders or advertisers

If you are dissatisfied with the Site or any part of these Terms, your sole and exclusive remedy is to discontinue use of the Site.

11. Indemnification

You agree to indemnify, defend, and hold harmless Mortgage Rates Today and its affiliates, partners, officers, employees, and agents from any claims, liabilities, damages, and expenses (including reasonable legal fees) arising out of:

  • Your use of the Site
  • Your violation of these Terms
  • Your interaction with lenders or third parties

12. Changes to the Site or Terms

We may modify, suspend, or discontinue any part of the Site at any time without notice.

We may also update these Terms periodically. When we do, we will post the updated version with a new Effective Date.

Your continued use of the Site after changes are posted indicates acceptance of the revised Terms.

13. Governing Law

These Terms and any dispute arising out of or relating to your use of the Site are governed by the laws of the United States, without regard to conflict of law principles.

You agree to submit to the exclusive jurisdiction of the courts located within the United States for any disputes arising under these Terms.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

15. Contact Us

If you have questions about these Terms or the Site, please contact us:

Mortgage Rates Today

Website: www.mortgage-rates-today.org

Email: [email protected]