Terms of Use

These terms of use apply to themortgageguidehub.com and all of its pages in every language. In these terms, “we” and “us” mean the operators of The Mortgage Guide Hub, and “you” means anyone who uses the site.

Acceptance of these terms

By using the site, you agree to these terms. If you do not agree, please do not use the site. Our privacy policy and disclaimer also apply.

Educational purpose only

The Mortgage Guide Hub publishes general educational guides about US mortgage programs. Nothing on the site is financial, legal, tax or investment advice, and nothing is a recommendation for your situation. Before you make a decision, talk to a licensed professional, such as a loan officer, attorney, tax professional or HUD-approved housing counselor.

No lender relationship

We are not a lender, broker, loan originator, government agency, law firm or financial adviser. Nothing on the site is an offer to lend or a promise of approval, rates or terms. Using the site does not create a lender, broker, adviser or client relationship between you and us.

Accuracy and changes

We work hard to keep guides accurate. Each figure is checked against an official source and shows the month it was checked. But program rules, limits and fees change, and errors can happen. We do not promise that every guide is complete, current or error-free. Always confirm important facts with the official source and your lender.

We may change, update or remove any content at any time without notice. See our corrections page for how we handle errors.

Intellectual property

The guides, text, tables and design of the site are © The Mortgage Guide Hub. You may:

• read, print and save pages for your own personal, non-commercial use
• share links to any page
• quote short parts of a guide, as long as you credit The Mortgage Guide Hub and link to the original page

You may not copy, republish, sell or translate whole guides or large parts of them, or present our content as your own, without our written permission. Official documents we link to belong to their publishers.

What you send us

When you send us a message, error report or suggestion, you confirm that it does not break any law or anyone else’s rights. You agree that we may use your feedback to improve our guides without paying you. We will not publish your name or message without your permission. Please do not send sensitive financial or identity documents.

Acceptable use

Please do not misuse the site. For example, do not try to break its security, overload it, scrape it in bulk in ways that harm its performance, or use our forms to send spam or harmful content.

External links

Our guides link to official sources such as HUD, the VA, USDA, FHFA, Fannie Mae, Freddie Mac, the CFPB and the IRS. We do not control those sites and are not responsible for their content, availability or privacy practices.

Disclaimer of warranties

The site and its content are provided “as is” and “as available”. To the fullest extent the law allows, we make no warranties of any kind, express or implied, including warranties of accuracy, fitness for a particular purpose or non-infringement.

Limitation of liability

To the fullest extent the law allows, the operators of The Mortgage Guide Hub are not liable for any loss or damage that comes from your use of, or reliance on, the site or its content. This includes, for example, a loan decision, a missed deadline or a change in a program rule. Some laws do not allow certain limits on liability, so some of these limits may not apply to you.

Governing law

These terms are governed by the laws of the United States.

Changes to these terms

We may update these terms from time to time. When we do, we will change the date at the top of this page. If you keep using the site after a change, you accept the updated terms.

Contact

Questions about these terms? Email hello@themortgageguidehub.com or use the contact page.