Terms of Service

These terms govern your use of SnugRate (https://snugrate.com). By using the site you agree to them. If you don't agree, please don't use the site.

What this site is

SnugRate provides free educational calculators and reference content about home finance, and a form you can use to request a written mortgage quote. SnugRate is not a lender, does not extend credit, does not originate loans, does not pre-approve or pre-qualify anyone, and does not make credit decisions. All calculator output is an estimate for educational purposes.

No financial, tax, or legal advice

Nothing on this site is financial, tax, or legal advice, and nothing on it creates an advisory or fiduciary relationship. Calculators use simplified models that will not match your actual loan terms. Talk to a licensed professional about your specific situation before making decisions.

Quote requests

When you submit a quote request, your submission is handled by a licensed mortgage professional who prepares and delivers a written quote. Submitting a request does not obligate you to accept any offer, and no quote on this site is a commitment to lend. All loan terms are subject to underwriting approval, verification of income and assets, and appraisal of the subject property.

Acceptable use

Don't submit false information, submit requests on behalf of someone without their authorization, scrape or resell site content, or interfere with the site's operation. We may block access that violates these terms.

Disclaimer of warranties

The site is provided “as is” without warranties of any kind. We work to keep reference data (like market rate series) current, but we don't guarantee accuracy, completeness, or availability. Calculators are educational. Results are estimates and not commitments to lend. Actual rates, fees, and qualification depend on credit, property, and program.

Limitation of liability

To the maximum extent permitted by law, SnugRate is not liable for any indirect, incidental, or consequential damages arising from your use of the site or reliance on calculator output.

Changes

We may update these terms as the service evolves. The “last updated” date above reflects the current version; continued use after a change constitutes acceptance.

Contact

Questions about these terms? Use the contact form on the contact page.