Terms of Use

Acceptance of these terms

By accessing or using this monthly payment calculator (the "Tool"), you agree to these Terms of Use. If you do not agree, please do not use the Tool.

Purpose; informational use only

The Tool provides general estimates of monthly housing payments for educational and illustrative purposes. It does not provide financial, tax, legal, insurance, or investment advice, and it is not a substitute for advice from qualified professionals.

No offer; estimates may be inaccurate

Results are estimates only and do not constitute a Loan Estimate, pre-approval, commitment to lend, rate lock, or offer of credit or insurance. We make no representation or warranty that any estimate is accurate, complete, or current. Rates, fees, taxes, insurance costs, and program rules change frequently.

No warranties

The Tool is provided "as is" and "as available," without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Tool will be uninterrupted, secure, or error-free.

Limitation of liability

To the fullest extent permitted by law, Zach Taylor Real Estate, Colten Mortgage, All Western Mortgage, Inc., and their affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss arising from your use of, or reliance on, the Tool or its estimates.

Intellectual property and trademarks

The "Zach Taylor Real Estate" and "Colten Mortgage" names and logos are the property of their respective owners and are used here to identify those businesses. You may not copy, modify, or use them except as necessary to use the Tool as intended.

Third-party links and content

The Tool may link to or load content from third-party websites. We are not responsible for the content, policies, or practices of any third party.

Interest-rate data — FRED® API

The Tool displays interest-rate information obtained through the FRED® API. This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis. By using this Tool, you agree to be bound by the FRED® API Terms of Use. Rate figures are market averages provided for estimation only and are not a rate quote, offer, or lock.

Changes

We may update the Tool or these Terms at any time. Continued use after changes constitutes acceptance of the revised Terms.

Governing law

These Terms are governed by the laws of the State of Tennessee, without regard to its conflict-of-law rules.

Contact

Colten Mortgage: info@ColtenMortgage.com · 800.212.1694  ·  Zach Taylor Real Estate: hello@zachtaylorrealestate.com · 855-261-2233