Not Financial, Legal, or Tax Advice
All content and calculator results on OwnCalc are provided for informational and educational purposes only. Nothing on this website constitutes financial advice, investment advice, legal advice, tax advice, or any other form of professional advice. Always consult a qualified professional before making any financial decision.
Calculator Results Are Estimates
The results produced by OwnCalc's mortgage, affordability, refinance, and other calculators are mathematical estimates based solely on the inputs you provide. They are not guaranteed to match:
- Actual loan offers or lender quotes you receive
- Your actual monthly payment, which may differ based on lender fees, escrow adjustments, or changing rates
- Real property tax, insurance, or HOA amounts in your specific location
- Future home values, interest rate movements, or market conditions
Individual results vary. Always verify any figure with a qualified mortgage professional or licensed lender before making a financial commitment.
Reference Data & Rates
Mortgage rates, median home prices, property tax rates, insurance estimates, and other reference data displayed on OwnCalc are sourced from publicly available datasets (Freddie Mac PMMS, NAR, Zillow Research) and are updated periodically. This data:
- May not reflect current live market rates — always check with your lender
- Represents state-level averages, not your specific property or county
- Is provided for directional guidance only, not for use in legal or financial documents
No Professional Relationship
Use of OwnCalc does not create any professional relationship between you and OwnCalc, Nexus Technologies, or any of our team members. We are not:
- Licensed mortgage brokers or lenders
- Registered financial advisers or investment managers
- Tax professionals, accountants, or attorneys
- Real estate agents or appraisers
Before purchasing a home, refinancing, or making any significant financial decision, please consult with licensed professionals who can evaluate your complete personal and financial situation.
Affiliate Links & Advertising
OwnCalc may contain links to third-party services such as lenders, rate comparison tools, and financial service providers. Some of these links may be affiliate links, meaning OwnCalc may earn a commission if you click through and complete a transaction. Please note:
- Affiliate relationships do not affect the cost you pay
- We do not endorse any specific lender, product, or financial service
- Advertisements are served by Google AdSense and are clearly separate from our own content
- We are not responsible for the content, accuracy, or availability of any third-party site
Limitation of Liability
To the fullest extent permitted by applicable law, OwnCalc and Nexus Technologies shall not be liable for any loss, damage, or financial consequence arising from your use of, or reliance on, any calculator result, data, or content on this site. You use this site entirely at your own risk. The tools are provided "as is" with no warranty of accuracy, completeness, or fitness for any particular purpose.