Legal

Disclaimer

Last updated: July 2026

In short: The Home Equity Calculator is an educational tool. It is not financial, mortgage, tax, or legal advice, and every number it produces is an estimate. Always confirm your situation with a licensed lender or financial professional before borrowing against your home.

Informational and educational purposes only

All content on The Home Equity Calculator — including calculators, comparisons, guides, tables, and examples — is provided for general informational and educational purposes only. It is intended to help you understand home equity concepts and explore scenarios, not to tell you what to do. Nothing on this site should be relied upon as the sole basis for any borrowing, refinancing, or financial decision.

Not financial, mortgage, tax, or legal advice

We are not a lender, mortgage broker, financial advisor, tax advisor, or law firm, and using this site does not create any professional or advisory relationship. Nothing here constitutes financial advice, mortgage advice, tax advice, investment advice, or legal advice. Home equity products such as HELOCs, home equity loans, cash-out refinances, and home equity investments are complex, use your home as collateral, and carry a risk of foreclosure. Before acting, consult a licensed lender, a qualified financial professional, a tax advisor, and, where relevant, an attorney or a HUD-approved housing counselor.

Estimates only — no guarantee of accuracy

The figures this tool generates are estimates based on the assumptions and inputs you provide, along with simplified formulas and general market averages. Actual loan amounts, interest rates, fees, closing costs, monthly payments, appraised values, and approval decisions depend on your specific lender, credit profile, income, property, and prevailing market conditions, and will differ — sometimes significantly — from any estimate shown here.

We make no warranty that any calculation, rate, or figure is accurate, complete, or current.
Rates and lending standards change frequently; information may become out of date.
Only a licensed lender can give you an actual, binding quote for your situation.

Verify before you borrow: Treat every result as a starting point for a conversation with a professional — not a final answer. For plain-language explanations of home equity products and your consumer protections, see the Consumer Financial Protection Bureau (CFPB).

Affiliate disclosure

This site is supported by advertising and affiliate partnerships. Some outbound links to lenders, comparison services, and products — including as an Amazon Associate — are affiliate links, meaning we may earn a commission or referral fee if you click through and take a qualifying action, at no additional cost to you. Affiliate relationships do not influence our educational content, and being featured is not an endorsement, recommendation, or guarantee of any provider's suitability for you. Always compare offers independently.

External links disclaimer

Our content links to third-party websites for your convenience and reference. We do not control, operate, or continuously review those sites and are not responsible for their content, accuracy, products, services, or privacy practices. Including a link does not imply endorsement. Once you leave this site, the destination site's own terms and privacy policy govern your use of it.

Limitation of liability

To the fullest extent permitted by law, The Home Equity Calculator and the Rytell Home Equity Team disclaim all liability for any loss or damage arising from reliance on information or estimates provided on this site. You use this tool and its output at your own risk.

Contact

Questions about this disclaimer? Reach us through our contact form.