Disclaimer | Cheap Rate Mortgage | CheapRateMortgage.com

We Are Not a Mortgage Broker or Lender

CheapRateMortgage.com is NOT a mortgage broker, mortgage lender, bank, credit union, or financial institution of any kind.

We do not offer mortgages, accept loan applications, process mortgage requests, or connect borrowers with lenders. We are an informational website only.

For Educational Purposes Only

All information provided on this website, including but not limited to mortgage rates, calculations, articles, and guides, is for general educational and informational purposes only.

Nothing on this website constitutes, or is intended to constitute, financial advice, legal advice, investment advice, or any other professional advice. You should not act or refrain from acting based solely on the information contained on this website.

About Our Rate Data

The mortgage rates displayed on CheapRateMortgage.com are sourced from the Freddie Mac Primary Mortgage Market Survey (PMMS), accessed through the Federal Reserve Economic Data (FRED) database maintained by the Federal Reserve Bank of St. Louis.

Important Rate Information:

Weekly National Averages: The rates shown are weekly national averages, not real-time quotes
Not Offers to Lend: These rates are not offers to lend and do not represent rates you will receive from any lender
Subject to Change: Mortgage rates change frequently, sometimes multiple times per day
Individual Rates Vary: Your actual rate will depend on many factors including credit score, down payment, loan amount, property type, property location, loan type, and the specific lender

Consult Licensed Professionals

Before making any mortgage or financial decisions, we strongly recommend that you:

Consult with a licensed mortgage loan officer or mortgage broker
Speak with a qualified financial advisor
Review terms with a real estate attorney when appropriate
Shop multiple lenders to compare actual rate offers
Carefully review all loan documents before signing

Mortgage Calculator Disclaimer

Our mortgage calculator provides estimates for educational purposes only. Actual loan payments may differ due to:

Property taxes (which vary by location)
Homeowners insurance requirements
Private mortgage insurance (PMI) if applicable
HOA fees or condo fees
Closing costs and fees
Interest rate adjustments (for variable-rate loans)

Calculator results should not be used as the basis for financial decisions. Obtain an official loan estimate from a licensed lender for accurate payment information.

No Guarantees

While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about:

The accuracy, reliability, or completeness of any information
The availability of any particular mortgage rate
The suitability of any information for your specific situation
The results you may obtain from using our tools or information

Use of this website and reliance on any information is at your own risk.

Limitation of Liability

CheapRateMortgage.com, United Internet Ventures, and their owners, employees, and affiliates shall not be held liable for any damages, losses, or expenses arising from your use of this website or decisions made based on information obtained from this website. This includes, but is not limited to, any direct, indirect, incidental, consequential, or punitive damages.

Affiliate Disclosure

This website may contain affiliate links or advertising in the future. If we do include affiliate links, we will disclose them clearly. Any compensation received will not influence the information we provide or the rates we display, as our rate data comes directly from the Federal Reserve.

Website Operator

CheapRateMortgage.com is operated by United Internet Ventures.

Questions

If you have questions about this disclaimer, please contact United Internet Ventures.