Loan Calculator Disclaimer

ADU Home List is an ADU marketplace and directory. We are not a bank, lender, mortgage broker, loan originator, credit union, mortgage servicer, financial adviser, tax adviser, or insurance producer, and we do not claim any licence or registration in those capacities.

We do not originate, underwrite, approve, arrange, service, or fund loans, and we do not receive your loan application. Nothing on the calculator page creates a lending relationship between you and ADU Home List.

The interest rates the calculator uses are sample reference values maintained by ADU Home List, assembled from general market observation for the purpose of illustration. They are organized by state, credit tier, and loan product so the comparison is meaningful in shape — but they are not live pricing.

Specifically, the rates shown:

• Are not quotes, offers, commitments to lend, or rate locks from any lender.
• Are not pulled live from any lender, rate feed, or index, and may be out of date at the moment you view them.
• Do not represent the rate any particular lender — including a lender listed on this site — would offer you.
• Are not an annual percentage rate (APR) disclosure under the Truth in Lending Act and should not be compared against one.

Credit tiers are broad bands. The calculator does not check your credit, and selecting a tier is an assumption you are making, not an assessment of your actual credit profile.

The calculator performs a standard amortization calculation on the figures you enter. It is a simplification, and a real loan payment will differ. Unless you account for them yourself, the estimate does not include:

• Property taxes and any reassessment triggered by adding an ADU
• Homeowner's, hazard, flood, or builder's risk insurance
• Mortgage insurance, HOA dues, or special assessments
• Origination, underwriting, appraisal, inspection, title, escrow, recording, and other closing costs, points, or prepayment charges
• Permit, impact, utility connection, and plan review fees
• Site work, foundation, utilities, delivery, craning, finishing, and landscaping costs beyond the amount you entered
• Interest-only or draw periods on a construction loan, and the payment change at conversion
• Rate adjustments on a variable-rate or HELOC product
• Contingency for change orders, delays, and cost overruns

Your actual rate, term, payment, fees, and the amount you may borrow depend on a lender's underwriting of your credit, income, debts, property value, equity, the loan product, and current market conditions. Loan products described on the site may not be available in your state or for your project, and approval is never guaranteed.

The calculator runs entirely in your browser. The figures you enter are not submitted to us, not saved to your account, and not sent to any lender, and no credit check of any kind is performed. Printing or saving a summary creates a document on your own device only.

Using the calculator does not start an application, a pre-qualification, or a pre-approval, and it does not reserve pricing. To get real numbers you must apply directly with a lender and receive its own written disclosures.

Lenders appear on this site because they have created a profile, and some pay for a membership, featured placement, or boosted visibility. Placement, ordering, and prominence may reflect those paid features.

A listing is not a recommendation, endorsement, referral, or certification by ADU Home List, and we do not verify a lender's licensing, rates, terms, or performance. Confirm any lender's licensing with your state regulator and the NMLS Consumer Access registry before sharing personal or financial information.

Any communication, application, or agreement you enter into with a lender is solely between you and that lender. We are not a party to it and receive no compensation contingent on your loan closing.

Before committing to financing or construction, consult a licensed mortgage professional, and as appropriate an accountant, tax adviser, attorney, insurer, and your local planning or building department. Whether you may build an ADU at all, and at what size, is determined by local zoning and code — not by this calculator.

The calculator and the figures it uses are provided “as is”, without warranty of any kind. We do not warrant that they are accurate, current, complete, or suitable for your circumstances, and we may change or remove the tool at any time.

To the fullest extent permitted by law, ADU Home List is not liable for any loss or damage arising from your use of or reliance on the calculator, including any financing or construction decision you make on the basis of its output. This disclaimer forms part of our Terms of Service, including its limitation of liability.

Questions about the calculator or this disclaimer:

ADU Home List
Email: support@aduhomelist.com