Terms of Service
Last Updated: May 13, 2026
Quick Summary (TL;DR)
- • This is a free educational calculator tool only
- • Calculations are estimates — not guaranteed
- • We are not a lender or financial advisor
- • We may earn commissions from affiliate links at no cost to you
- • Always consult a licensed professional before making financial decisions
Welcome to HELOC Calculator Pro. By accessing or using our website, you agree to be bound by these Terms of Service. Our platform provides free, accurate, and user-friendly tools to help American homeowners calculate their home equity line of credit (HELOC), monthly payments, CLTV eligibility, debt consolidation savings, and more in 2026.
1. Use of Our Service
HELOC Calculator Pro is an informational and educational tool only. All calculations including available HELOC credit, monthly payments, total interest, and savings estimates are based on the data you provide and current market rates. Results are approximate and for illustration purposes only.
2. No Financial Advice
We are not a lender, bank, or licensed financial advisor. Nothing on this website constitutes financial, lending, tax, or legal advice. Always consult with a qualified mortgage professional or financial advisor before making any financial decisions regarding HELOC, home equity loans, or debt consolidation.
3. Affiliate Disclosure
This website contains affiliate links for Vantage Score 3.0 and various lending partners. We may earn a commission if you click on these links and take action, at **no additional cost to you**. This helps us keep our HELOC calculator completely free and accessible to all American homeowners.
4. Accuracy of Information
While we strive to provide accurate and up-to-date information with 2026 HELOC rates, we do not guarantee the accuracy, completeness, or reliability of any calculations. Actual offers depend on your credit profile, lender criteria, and market conditions.
By continuing to use our service, you acknowledge that you have read, understood, and agreed to these Terms of Service.
For more details on our liability limits and disclaimers, please read our full Disclaimer page.