Terms of Use

Acceptance of Terms

By accessing and using naccamortgagecalculator.vercel.app (the "Website"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Description of Service

This Website provides free financial calculators and educational content related to mortgage affordability, with a focus on the NACA (Neighborhood Assistance Corporation of America) mortgage program. Our services include:

• NACA mortgage affordability calculator
• Debt-to-income ratio calculator
• Interest rate buy-down calculator
• General mortgage affordability calculator
• Educational content about mortgage programs and homebuying

Informational Purposes Only

IMPORTANT: All calculators, estimates, and information provided on this Website are for informational and educational purposes only. They are not intended as financial advice, professional consultation, or official loan pre-qualification.

The results generated by our calculators are estimates based on the information you provide and general lending guidelines. Actual loan qualification, terms, and approval depend on numerous factors including but not limited to credit history, employment verification, asset documentation, property appraisal, and lender-specific requirements.

No Affiliation with NACA

This Website is independently operated and is not affiliated with, endorsed by, or connected to the Neighborhood Assistance Corporation of America (NACA) or any other lending institution. For official NACA program information and qualification, you must work directly with NACA through their official channels.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

• The Website and its operators shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of this Website or reliance on the information provided.
• We make no warranties or representations about the accuracy, completeness, or suitability of the information provided.
• You acknowledge that any financial decisions made based on information from this Website are made at your own risk.
• We are not responsible for any financial losses, missed opportunities, or other damages that may result from using our calculators or information.

User Responsibilities

By using this Website, you agree to:

• Use the Website and its tools for lawful purposes only
• Provide accurate information when using calculators for meaningful results
• Understand that calculator results are estimates and not guarantees
• Seek professional financial advice for important financial decisions
• Not attempt to reverse engineer, modify, or misuse our calculators or content

Intellectual Property

The content, design, and functionality of this Website are protected by copyright and other intellectual property laws. You may use the Website for personal, non-commercial purposes. Any reproduction, distribution, or commercial use of our content requires written permission.

Modifications to Terms

We reserve the right to modify these terms at any time. Changes will be posted on this page with an updated revision date. Your continued use of the Website after changes are posted constitutes acceptance of the modified terms.

Governing Law

These terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles. Any disputes arising from these terms or your use of the Website shall be resolved through binding arbitration.

Contact Information

If you have questions about these Terms of Use, please visit our About page or contact us through the information provided on this Website.