Welcome to RentingSucks.com. These Terms of Use govern your access to and use of this website, its articles, calculators, forms, guides, educational materials, and other features. By using the site, you agree to these Terms. If you do not agree, please do not use the site.
1. Educational Information; No Commitment to Lend
RentingSucks.com is designed to provide general education about homeownership, mortgage financing, credit readiness, down payments, loan programs, and related topics. Website content is not a loan approval, loan commitment, rate lock, preapproval, appraisal, offer to lend, or guarantee that financing or down payment assistance will be available. Mortgage eligibility depends on individual borrower qualifications, property characteristics, lender and investor requirements, applicable law, market conditions, and other factors.
Examples, calculators, payment illustrations, estimated equity, rent-versus-buy comparisons, and other numerical information are for planning purposes only. Actual interest rates, annual percentage rates, payments, taxes, insurance, mortgage insurance, HOA dues, fees, closing costs, and loan terms may differ materially from website examples.
2. Mortgage Advisor Consultations
The site may allow you to request contact from a licensed mortgage professional. A consultation is free and pressure-free unless clearly disclosed otherwise. Submitting a form does not obligate you to apply for a loan, and it does not create a lender-borrower relationship or guarantee qualification. A mortgage application may require additional disclosures, authorizations, credit review, documentation, and lender-specific terms.
Mortgage products and licensing availability vary by state. A mortgage professional may be unable to provide services in a jurisdiction where the professional or applicable company is not appropriately licensed or otherwise authorized.
3. No Legal, Tax, Investment, or Credit-Repair Advice
Nothing on RentingSucks.com is intended as legal, tax, accounting, investment, or individualized financial advice. We do not provide legal representation or tax advice and do not operate as a credit-repair organization through this website. You should consult qualified professionals regarding legal, tax, investment, insurance, credit-repair, or other specialized questions.
4. Accuracy and Changes
We try to provide useful and current information, but mortgage programs, lender guidelines, interest rates, assistance programs, housing-agency rules, loan limits, underwriting practices, laws, and market conditions can change without notice. We do not warrant that every page is complete, current, or error-free. Information may be updated, corrected, removed, or replaced at any time.
Before relying on a mortgage program, assistance amount, eligibility guideline, rate, payment, or closing-cost estimate, confirm the current terms with an appropriately licensed mortgage professional and the applicable lender or program administrator.
5. Down Payment Assistance and Third-Party Programs
References to grants, forgivable loans, deferred-payment loans, second mortgages, state or local housing programs, employer programs, or other assistance do not guarantee funding or eligibility. Programs can have income limits, purchase-price limits, geographic restrictions, occupancy requirements, education requirements, funding limits, repayment obligations, or other conditions. Availability can change or funds can be exhausted.
6. Website Forms and Communications
When you submit information through a website form, you agree to provide accurate and current information. If you request contact and provide consent, you authorize communications consistent with the consent language shown with that form. Message and data rates may apply to text messages. Consent to receive marketing communications is not a condition of obtaining mortgage services unless specifically permitted by law and clearly disclosed.
You are responsible for maintaining access to the email address and phone number you provide and for notifying the advisor if your preferred contact information changes.
7. Privacy
Our collection and use of personal information is also subject to the website’s Privacy Policy. Please review that policy before submitting personal information. Do not submit passwords, Social Security numbers, full bank account numbers, or other highly sensitive financial credentials through general website contact forms unless a secure application process specifically requests them.
8. Intellectual Property
The RentingSucks.com name, website design, written content, graphics, logos, calculators, downloadable materials, and other original site content are protected by applicable intellectual-property laws. You may view and print reasonable portions for your personal, noncommercial use. You may not reproduce, republish, sell, scrape, distribute, modify, create derivative commercial materials from, or use our content to train or populate another commercial service without prior written permission, except as allowed by law.
9. Acceptable Use
You agree not to use the site to violate law, impersonate another person, submit fraudulent information, interfere with site operation, attempt unauthorized access, introduce malicious code, scrape the site at an unreasonable rate, harvest personal information, or use forms for spam or abusive communications. We may restrict access, block requests, or take other reasonable measures to protect the website and its users.
10. Third-Party Websites and Services
The site may link to lenders, housing agencies, government resources, real-estate services, credit bureaus, educational resources, or other third parties. Those sites are controlled by their respective operators. A link does not necessarily constitute an endorsement, and RentingSucks.com is not responsible for third-party content, availability, privacy practices, security, or transactions.
11. No Warranty
To the maximum extent permitted by law, the website and its content are provided on an “as is” and “as available” basis. We make no warranty that the site will be uninterrupted, error-free, secure, or suitable for every user, or that use of the site will result in mortgage approval, savings, appreciation, equity growth, or any particular financial outcome.
12. Limitation of Liability
To the maximum extent permitted by applicable law, RentingSucks.com, its operators, affiliates, service providers, and their respective officers, employees, contractors, and agents will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from use of the website or reliance on its content. This limitation does not apply where liability cannot lawfully be limited or excluded.
13. Homeownership Risks and Decisions
Homeownership is not appropriate for every household. Property values can decline. Taxes, insurance, HOA dues, utilities, and maintenance can increase. Homes can require unexpected repairs, and selling or refinancing can involve significant costs. You are responsible for deciding whether a purchase and mortgage fit your financial circumstances, plans, and risk tolerance.
14. Changes to These Terms
We may update these Terms of Use as the website, services, or legal requirements change. The effective date at the top of this page identifies the current version. Continued use of the website after an update constitutes acceptance of the revised Terms to the extent permitted by law.
15. Governing Law
These Terms are governed by applicable federal law and, to the extent state law applies, the law of the jurisdiction associated with the website operator, without regard to conflict-of-law principles, except where another law is required to apply.
16. Contact
Questions about these Terms of Use may be submitted through the website’s Contact page. Questions about mortgage qualification or homebuying options should be directed through the Talk to an Advisor page.
Important: These Terms are intended as general website terms and should be reviewed periodically by qualified legal and compliance counsel for the business operating RentingSucks.com, particularly before production launch or material changes to services, data collection, advertising, or mortgage activities.