Effective November 9, 2026 · Version 2026-11-09
Using MortgageRisk
These terms apply to the free tools, paid workspaces, hosted calculators, and related services provided by MortgageRisk. The service is intended for mortgage professionals and organizations. If you subscribe on behalf of an organization, you confirm that you are authorized to accept these terms and charges for it.
Independent worksheets
MortgageRisk provides independent worksheets and estimates for professional review. Results are not underwriting decisions, credit determinations, legal or tax advice, or a representation that any loan qualifies. Verify current agency guidance, lender overlays, governing dates, documentation, and all outputs against the actual file. MortgageRisk is not affiliated with any agency named on the site.
Subscriptions, charges, and renewal
Professional is $39 per month. Team is $199 per month for each five-seat bundle you select. Prices are in U.S. dollars, plus applicable taxes shown before payment. The first charge is due at purchase. When you authorize recurring billing, Stripe charges your selected payment method monthly until you cancel. Stripe Checkout shows the amount before you confirm. If a future price change applies to your plan, we will notify you in advance and provide a way to cancel before it takes effect.
Cancel, get invoices, or request a refund
Sign in and select Billing → Manage subscription to view invoices, update payment details, or cancel online. Cancel before your next renewal to avoid the next charge. You keep paid access until the end of the period you already paid for. Canceling does not automatically refund prior charges. Contact support to request a refund or report a billing error. Nothing in these terms limits refund, cancellation, or other rights that apply by law. If you cannot sign in, email info@mortgagerisk.link for billing help.
Hosted calculators, branding, and account security
An eligible paid workspace can publish calculators using its company branding and embed them on approved HTTPS websites. The public URL is shareable. You are responsible for material you publish and for having permission to use any company name, logo, or other content you supply. You grant MortgageRisk permission to host and display that material as needed to provide the service. Keep your passkey accessible on a trusted device and manage workspace access. Billing failures, expiration, cancellation at the end of a paid period, disputes, or violations can interrupt paid access and hosted calculators. Keep copies of reports you need.
Acceptable use and availability
Do not upload borrower identities, account numbers, tax returns, credit reports, or confidential files. Do not impersonate another organization, misrepresent results, disrupt the service, access another workspace without authorization, or bypass account or plan limits. We may suspend access to prevent fraud, abuse, or security problems. Features, agency references, and worksheets can change as policies and the service change.
Reliance and liability
To the extent permitted by law, the service is provided as available without warranties of accuracy, availability, or fitness for a particular purpose. MortgageRisk is not responsible for loan decisions, transactions, or indirect losses resulting from reliance on the worksheets. Where permitted, total liability arising from the service is limited to the fees you paid MortgageRisk in the 12 months before the event giving rise to the claim. These terms do not exclude liability or rights that cannot be excluded under applicable law.
Contact and changes
For billing, terms, or product questions, use MortgageRisk Support. We will post updates here and provide notice of material subscription changes where required. Your continued use is subject to applicable law and the terms in effect for your service.