Scope of information

Content on FirstKeysGuide—including articles, guides, calculators, tools, and downloadable checklists—is for informational and educational purposes only. It is not intended as, and should not be relied upon for, financial, mortgage, legal, accounting, or tax advice.

Nothing on this site creates a client, advisor, broker, or attorney-client relationship between you and FirstKeysGuide.

Not financial, legal, or tax advice

• Financial/mortgage: Loan approval, pricing, eligibility, and terms vary by lender, program, credit profile, property type, and state regulations.
• Legal: Contract terms and real-estate practices differ by jurisdiction. Consult a licensed attorney for legal questions.
• Tax: Deductibility, credits, and basis rules depend on your personal situation. Consult a qualified tax professional.

If you need personalized advice, speak with a licensed loan officer, financial planner, CPA, or attorney who can review your specific facts.

Calculators, checklists & assumptions

Our calculators and tools use user inputs plus typical assumptions (e.g., property taxes, insurance, HOA dues, PMI rules, and debt-to-income ranges) to illustrate scenarios. Results are estimates only and may not reflect your lender’s underwriting, pricing, or closing disclosures.

Limitations

• Rates and program guidelines change frequently.
• Local taxes/fees, lender overlays, and appraisal or inspection findings can affect outcomes.
• PMI removal, escrow requirements, and credit pricing adjustments vary by lender and investor.

Use our outputs as a starting point for conversations with your lender; always compare official quotes and disclosures.

Accuracy, timeliness & availability

• We aim for accuracy and clarity, but no guarantee is made that content is complete, current, or error-free.
• We may update, correct, or remove content without notice.
• Site availability and tool uptime are not guaranteed.

Found something that looks off? Please contact us with the page link and details.

Third-party links & services

We may reference or link to third-party sites and tools. These are provided for convenience; FirstKeysGuide does not control and is not responsible for their content, policies, or performance.

Disclosures

• If we use affiliate or referral links, we will label them clearly where they appear. See About → Disclosures for our approach.
• We do not sell reader email addresses. See our Privacy Policy.

Limitation of liability

To the maximum extent permitted by law, FirstKeysGuide and its contributors are not liable for any losses or damages arising from your use or reliance on the site, calculators, tools, downloads, or linked resources.

Jurisdiction & variations

Real-estate practices and lending rules vary by state and locality. Always verify requirements with your lender, title/escrow company, and local professionals.

Questions or corrections

If you have questions about this disclaimer—or want to suggest a correction—please reach out.

Effective date: September 3, 2025 • We may update this page from time to time. Material changes will be noted here.