Legal
Terms of Use
The short version: we are an educational service, not a lender or broker, and we give no advice. The details are below.
1. What CandidCost is
CandidCost is an educational information service. We turn public government data into calculators, explainers, and reference tables. We are not a mortgage lender, mortgage broker, real estate broker, financial advisor, credit counselor, or law firm, and nothing on this site is an offer to lend or a solicitation for any loan or financial product.
2. No advice, no recommendations
Our tools describe how numbers work. They do not tell you what to do, which loan to choose, whether to buy, or which provider to use. Outputs are estimates for education only and are not an approval, a pre-qualification, a rate quote, or a guarantee of any term. Always verify figures with a licensed professional and your own loan documents before making a decision.
3. Accuracy and data sources
We build on public data (for example HMDA, FRED, and county records) and publish the source, retrieval date, and methodology version for the numbers we show. Public data can lag, contain errors, or be superseded. We flag staleness where we can, but we do not warrant that any figure is current, complete, or free of error.
4. No referrals or kickbacks
We do not sell leads, accept referral fees, or take commissions from lenders, brokers, or agents. Where we describe programs or providers, we do so for information only, without endorsement.
5. Limitation of liability
The site and tools are provided "as is" without warranties of any kind. To the fullest extent permitted by law, CandidCost is not liable for any loss or damage arising from your use of, or reliance on, the information provided here.
6. Changes
We may update these terms and our methodologies over time. Material changes to a calculation are recorded with a methodology version so prior results remain interpretable.
Educational only. CandidCost explains the math and the public data behind homebuying. It is not a lender, broker, or advisor, does not sell leads or take lender payments, and never tells you what to do. Figures are estimates for education, not offers, quotes, or guarantees.