Terms of Use
Plain-language terms for using The Mortgage Ledger. By using the site, you agree to these.
Educational information, not advice
The Mortgage Ledger provides free, educational estimates to help you understand home affordability. It is not a lender, broker, or financial adviser, and nothing here is financial, legal, tax, or insurance advice, or a loan offer. For binding numbers, consult a qualified professional. See our methodology for how figures are sourced.
Accuracy & “as is”
Figures are verified regional averages and benchmark estimates that can change and may contain errors. The calculators and data are provided “as is,” without warranties of any kind, and we're not liable for decisions made based on them. Always confirm important numbers with an official source or professional. Spotted a problem? Let us know.
Using the content & data
You're welcome to use the calculators for personal and professional purposes. The downloadable dataset is published under CC BY 4.0 — free to use, share, and adapt with attribution to The Mortgage Ledger and a link back. Site text and branding remain the property of The Mortgage Ledger.
Ads & third parties
The site is ad-supported (Google AdSense) and may link to third-party sites we don't control. How we handle data and advertising is described in our Privacy Policy.
Changes & contact
These terms may be updated as the site evolves; continued use means you accept the current version. Questions? Email themortgageledger@gmail.com.