Terms of Use

Effective date: October 28, 2026

By using lastmortgagepayment.com (the "site"), you agree to these terms. If you don't agree, please don't use the site.

Information only, not advice

The calculators and guides on this site are for general information and education. They are not financial, investment, tax, legal, or lending advice, and they aren't a recommendation to buy a home, take out a loan, pay extra on a loan, or make any investment. Your situation is your own. Talk to a qualified professional before making financial decisions.

Estimates, not offers

Every result on the site is an estimate based on the numbers you enter and on simplified assumptions, which each page describes. Real loans, payments, taxes, insurance, PMI, and investment returns vary, and your lender's figures may differ from ours. Investment returns are never guaranteed.

We are not a lender, mortgage broker, or financial advisor. Nothing on the site is a loan offer, a loan approval, a prequalification, or a promise of any rate or terms. Only a lender can tell you what you qualify for.

No warranty

We work to keep the calculators and guides accurate, but the site is provided "as is" and "as available," without warranties of any kind, express or implied. That includes warranties of accuracy, completeness, fitness for a particular purpose, and non-infringement. We don't promise the site will always be available or free of errors.

Limitation of liability

To the fullest extent the law allows, Last Mortgage Payment and its owner are not liable for any loss or damage arising from your use of the site or your reliance on anything on it. That includes direct, indirect, incidental, or consequential losses, and financial decisions you make based on a result. Some places don't allow certain limits on liability, so parts of this section may not apply to you.

Using the site

You may use the site for personal, non-commercial purposes and share links to it. Please don't copy large parts of the site, scrape it automatically, interfere with how it works, or use it for anything unlawful.

Advertising and other sites

The site shows ads and may link to other websites. We don't control those ads or sites and aren't responsible for their content, products, or practices. Ads aren't endorsements. See our privacy policy for how advertising partners use cookies.

Changes

We may update the site and these terms at any time. If we change the terms, we'll update the effective date above. Using the site after a change means you accept the updated terms.

Contact

Questions about these terms? Email contact [at] lastmortgagepayment [dot] com.