Terms of Use - Full Home Cost

Website operator

This website is operated by ProtexDigital LLC, doing business as FullHomeCost.

Educational purposes only

By accessing and using this website, you agree to these terms. Our calculators, articles, and guides are provided strictly for educational and informational purposes. They are designed to be learning tools to help you plan your budget, not to replace professional advice. The results you see are mathematically generated estimates based entirely on the numbers you enter.

No professional advice

Full Home Cost is an educational resource. We are not a lender, brokerage, or financial institution. The information on this website does NOT constitute:

Financial advice
Mortgage or lending advice
Tax advice
Legal advice
Insurance advice
Investment advice
Real estate advice

Calculator limitations

The results generated by our calculators depend heavily on your personal assumptions and the inputs you provide. Because the housing market is complex and constantly changing, our calculator results may not reflect:

Actual lender requirements or guaranteed approval amounts
Actual interest rates you might qualify for
Actual lender fees, third-party fees, or total closing costs
Actual property taxes in your specific county or municipality
Actual homeowners insurance premiums
Actual market conditions or future home value appreciation

Real-world housing costs vary widely depending on your exact location, the specific lender you choose, your credit score, and many other personal financial factors.

Professional consultation

Buying a home is one of the most significant financial commitments you can make. Before making any major financial or homebuying decisions, you should always consult with qualified professionals who can evaluate your unique situation. We strongly recommend speaking with:

Mortgage lenders or brokers
Certified financial advisors
Tax professionals or CPAs
Licensed real estate agents
Insurance agents
Real estate attorneys

User responsibilities

When using our website, you agree to:

Use the website and its calculators only for lawful, personal purposes
Not attempt to interfere with the website's functionality or security
Not use automated tools, bots, or scrapers to access the website

Limitation of liability

While we strive to provide helpful and accurate educational tools, we make no warranties or representations about the absolute accuracy, completeness, or reliability of the information on this website. You use this website and its calculators entirely at your own risk.

Full Home Cost and its creators are not liable for any damages, losses, missed opportunities, or negative financial outcomes resulting from your use of this website or your reliance on its estimated calculations.

External links, merchants, and affiliate relationships

This website may contain links to external third-party websites, including affiliate or referral links for which Full Home Cost may receive compensation. Our use of an affiliate link does not make Full Home Cost the seller, lender, insurer, service provider, or agent for the third party.

Third-party merchants control their own prices, promotions, inventory, availability, eligibility requirements, warranties, returns, fulfillment, privacy practices, and other terms. Those details may change without notice. You are responsible for reviewing the merchant's current terms before purchasing, applying, or providing personal information. Full Home Cost is not responsible for third-party content, products, services, transactions, privacy practices, or performance.

Please see our Affiliate Disclosure for more information about how we handle commercial relationships.

Changes to these terms

We reserve the right to modify these terms of use at any time. Any changes will be effective immediately upon posting to this page. Your continued use of the website after we post changes constitutes your acceptance of the updated terms.

Contact

If you have any questions about these terms of use, please email us at support@fullhomecost.com.