1. Information You Enter on This Site
The calculators and forms on HomesCalculator.com are designed to give you estimates and help you plan. Information you type into calculators:
- Is used to show estimates on your screen.
- May be sent securely if you submit a form for follow-up.
- Is not a mortgage application by itself.
Examples include: income estimates, rent amounts, target prices and payment ranges.
2. Credit Checks: Soft vs Hard Pulls
There are two main types of credit checks in the mortgage process:
- Soft credit checks – do not impact your credit score, typically used for initial review and estimates.
- Hard credit checks – used when you formally apply for a mortgage, and may appear on your credit report.
Running calculators or submitting basic forms on this site does not automatically authorize a hard pull. A full application and separate authorization are required before a hard credit check is completed.
3. How Your Data Is Used
When you submit a form (for example, to request a plan, ask questions, or start pre-approval):
- Your information is used to respond to your request and prepare options.
- Your information may be entered into secure mortgage and real estate systems to help you.
- Your information is not used to sell unrelated products.
You may be contacted by phone, text, email or messaging based on the preferences you share.
4. What This Site Does Not Do
- Does not sell your email address or phone number to random third-party lists.
- Does not guarantee loan approval or specific interest rates.
- Does not replace legal, tax or financial advice from qualified professionals.
5. Your Choices
You are always free to:
- Use calculators anonymously without submitting a form.
- Ask for general information before sharing full details.
- Ask questions about how your data is used in your specific case.
If you have concerns, you can start with the Contact Us page and ask questions before providing additional details.