Important information

Legal disclaimer

Last updated: July 17, 2026

This page explains what the data can and cannot tell you, and the legal limits that apply when you use this site.

General information only

This site organizes public U.S. mortgage and interest-rate information to make the data easier to understand. It does not provide mortgage, financial, investment, legal, tax, real-estate, or rate-lock advice. Using the site does not create a lender-client, broker-client, attorney-client, fiduciary, or other professional relationship.

Not a bank quote or offer

Rates shown are national market indexes, averages of completed rate locks, official weekly averages, or market context. They are not live lender rate sheets, commitments, approvals, solicitations, or offers to lend. Your quote may differ based on credit, down payment, loan amount, property, location, points, fees, lock period, and lender pricing.

Public data is not real-time

The site displays the latest observation currently published by each source, not a live intraday bank quote. Each value keeps its observation date and status. A site check time only says when this site checked the source; it does not mean the observation was created at that moment. Weekends, holidays, publication delays, and source outages can leave an earlier date in place.

Data may be revised, delayed, or incomplete

The site checks formats, dates, ranges, duplicate observations, and missing values, but original publishers may revise, pause, or withdraw data. Transmission, caching, software, display, or editorial errors may also occur. If records conflict, the original publisher's official record and your lender's written documents control.

Calculators are estimates

Payment and refinance calculators use the inputs and assumptions shown on the page. Results may omit daily interest, escrow changes, taxes, insurance, PMI, HOA, closing costs, prepayment terms, and lender-specific rules. They do not replace a Loan Estimate, Closing Disclosure, or other official document.

No warranties

To the fullest extent permitted by law, the site and all content are provided “as is” and “as available,” without express or implied warranties of accuracy, completeness, timeliness, continuous availability, error-free operation, merchantability, fitness for a particular purpose, or non-infringement. The site is maintained in good faith, but uninterrupted access to the site, sources, or third-party services cannot be guaranteed.

Limitation of liability

To the fullest extent permitted by law, the site operator is not liable for direct, indirect, incidental, special, consequential, exemplary, or punitive damages, or loss of profit, opportunity, data, or transaction, arising from use of, inability to use, or reliance on the site, calculations, third-party data, links, or ads. This does not exclude liability or consumer rights that cannot legally be excluded. Some states do not allow certain limitations, so all limitations may not apply to you.

Third-party rights and no endorsement

Optimal Blue, ICE, FRED, the Federal Reserve, Freddie Mac, and other names, data, and marks belong to their respective owners. The site cites and attributes sources as shown, does not claim ownership of third-party data, and does not imply sponsorship, approval, or endorsement by a publisher, government agency, lender, or advertiser. Third-party data remains subject to its own terms.

Ads and external links

Third-party advertisers and external websites are responsible for their own content. An ad is not this site's recommendation of a lender, broker, product, or rate, and an advertised quote is not site data. Review the provider's fees, eligibility rules, privacy policy, and terms before using an external service.

Verify before an important decision

Before applying, comparing APRs, purchasing points, submitting documents, or locking a rate, confirm the latest written quote, fees, deadlines, and eligibility with a licensed mortgage professional and the relevant provider. Do not rely on a single number from this site for a time-sensitive or financially significant decision.