Terms & Conditions

For the use of this website

Effective Date: July 1st, 2025

Welcome to mortgage-rates.ai (“Website”). By accessing or using this Website, you agree to comply with the following Terms and Conditions. If you do not agree, please do not use this Website.

1. Personal Use Only

This Website is provided solely for your personal, non-commercial use. You may not use the Website for any commercial purpose, including but not limited to resale, redistribution, or market research.

2. Prohibited Activities

You may not engage in any of the following:

  • Automated scraping, crawling, or harvesting of data from the Website.

  • Use of bots or data-mining tools.

  • Reproduction, duplication, or modification of any content for commercial use.

3. Informational Purposes Only

All content on this Website is provided for general informational purposes only. It should not be considered professional financial, legal, or mortgage advice.

4. No Liability

mortgage-rates.ai assumes no responsibility for any errors or omissions in the content. We make no guarantees regarding the accuracy, timeliness, or completeness of any information. Your use of the Website is at your own risk.

5. Not a Lender or Financial Institution

mortgage-rates.ai is not:

  • A mortgage lender

  • A mortgage broker

  • A mortgage loan officer

  • A federally regulated financial institution

We do not originate, fund, or underwrite any loans. The Website does not constitute an offer to lend money or enter into any loan agreement.

6. Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of the Website after changes are posted constitutes acceptance of those changes.

7. Contact

If you have any questions about these Terms, please contact us at: contact@mortgage-rates.ai.com

DISCLAIMER: mortgage-rates.ai is an independent information platform created to promote greater transparency in the mortgage market for the benefit of borrowers. mortgage-rates.ai is not a lender, mortgage broker, or financial advisor, and is not registered with the Nationwide Mortgage Licensing System (NMLS). Nothing contained on this website shall be construed as an offer to lend, solicit, or extend credit of any kind.

The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 400 lenders. Mortgage-Rates.ai does not receive compensation for listing these rates, and all rates are presented as published by the respective lenders. While every effort is made to ensure accuracy, the information may contain errors or omissions. Mortgage rates are highly dependent on an individual’s financial circumstances, credit profile, loan terms, and other factors. As such, the rates you are quoted directly by a lender may differ materially from the rates displayed here.

Users should contact lenders directly to obtain formal, binding loan offers. If you identify any discrepancies in the data or would like to have your institution’s rates included, please contact us at content@mortgage-rates.ai

All logos, trademarks, and brand names appearing on this website are the property of their respective owners.

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