Disclaimer

Important disclosures about calculator results and site content

Summary: RefinanceUSA is a free educational calculator tool. Calculator results are estimates only — not financial advice, mortgage quotes, or guarantees of any kind. Always consult a licensed mortgage professional before making any refinancing decision.

1. Not Financial or Mortgage Advice

All content on RefinanceUSA — including calculator outputs, articles, state guides, and blog posts — is provided for informational and educational purposes only. Nothing on this site constitutes financial advice, mortgage advice, investment advice, tax advice, or legal advice of any kind.

RefinanceUSA is not a mortgage lender, mortgage broker, bank, credit union, financial advisor, investment advisor, real estate agent, or attorney. We are not licensed under any state or federal lending, financial advisory, or real estate law. Use of this site does not create any advisor-client or lender-borrower relationship.

2. Calculator Results Are Estimates Only

The mortgage refinance calculators on this site produce estimates based on simplified mathematical models and the inputs you provide. Actual results will differ based on:

  • Your specific lender's fees, origination points, and rate pricing
  • Your credit score, debt-to-income ratio, and loan-to-value ratio
  • Your property's appraised value and property type
  • Local recording fees, transfer taxes, and attorney costs that vary by county and transaction
  • Prepaid interest, escrow reserves, and other closing items not reflected in basic calculations
  • Changes in interest rates between the time you model a refinance and the time you close

Calculator outputs should be used as a starting point for your research — not as a final number to rely on when making financial decisions.

3. State-Specific Information

Our state refinance guides and state-specific calculators describe general rules for mortgage recording taxes, closing cost requirements, and state-specific regulations. This information is based on published state statutes and agency guidance at the time of writing.

State laws change. County-level fees vary within states. Your actual costs may differ from the examples shown. Always confirm specific tax rates and required fees with your title company, lender, or attorney before closing.

4. No Guarantee of Accuracy

While we make reasonable efforts to ensure our formulas, content, and state-specific information are accurate and current, we make no representations or warranties — express or implied — regarding the accuracy, completeness, timeliness, or suitability of any content on this site for any particular purpose.

Interest rate data, conforming loan limits, and closing cost benchmarks referenced on this site may not reflect current market conditions. Loan limits are updated annually by the FHFA. Always verify current figures with your lender or the relevant government agency.

5. No Endorsement of Lenders or Products

RefinanceUSA does not recommend, endorse, or rank any specific mortgage lender, bank, credit union, or financial product. We have no affiliate relationship with any lender and receive no referral fees or lead-generation payments from any financial institution.

Display advertisements on this site are served by Google AdSense. The appearance of an advertisement does not constitute an endorsement of the advertised product, service, or company. We have no control over which specific ads are served.

6. Consult a Licensed Professional

Before making any mortgage refinancing decision, we strongly recommend consulting one or more of the following:

  • A licensed mortgage loan officer who can provide personalized rate quotes based on your credit profile and loan details
  • A HUD-approved housing counselor (free service) — find one at consumerfinance.gov/find-a-housing-counselor
  • A licensed financial advisor if you need help evaluating refinancing in the context of your broader financial plan
  • A real estate attorney in states that require attorney closings (NY, GA, MA, CT, and others)

7. External Links

This site contains links to third-party websites including government agencies (CFPB, HUD, FHFA, IRS), research organizations, and other resources. These links are provided for informational purposes only. We have no control over third-party sites and make no representations about their accuracy, content, or availability.

8. Limitation of Liability

Aesepus Technology and RefinanceUSA shall not be liable for any financial loss, decision made in reliance on calculator results, or other damages arising from your use of this site. See our Terms of Service for the full limitation of liability.

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