Disclaimer

General Information

Fifty Year Term (fiftyyearterm.com) is operated by Kost Labs, LLC. The website provides a mortgage calculator tool designed to help users estimate and compare mortgage payments across different loan terms, with a focus on 50-year mortgages.

All information, tools, and calculations are provided "as is" without any representations or warranties, express or implied. Kost Labs, LLC makes no representations or warranties in relation to the accuracy, completeness, or reliability of any information or calculations.

Not Professional Advice

The content on this website does not constitute:

• Financial Advice: We are not financial advisors, and our calculator does not take into account your specific financial situation, goals, or needs.
• Legal Advice: We are not attorneys, and nothing on this site should be construed as legal advice regarding mortgages or real estate transactions.
• Tax Advice: We are not tax professionals, and our tools do not address tax implications of mortgage decisions.
• Investment Advice: Real estate and mortgage decisions are personal investment choices that require professional guidance.

Calculator Limitations

Our mortgage calculator provides estimates based on the information you input. These estimates:

• Are simplified projections that may not reflect actual loan terms
• Do not account for all potential fees, costs, and charges
• Do not include property taxes, insurance, HOA fees, or PMI unless specifically noted
• May not reflect current market interest rates or lending conditions
• Cannot guarantee loan approval or specific terms from any lender
• Do not consider your credit score, debt-to-income ratio, or other qualifying factors

50-Year Mortgage Availability

50-year mortgages are not widely available in all markets and may not be offered by all lenders. The availability of such loans, their terms, and conditions vary significantly by:

• Geographic location and local regulations
• Lender policies and requirements
• Current economic and market conditions
• Borrower qualifications and property type

We make no guarantee that a 50-year mortgage will be available to you or suitable for your needs.

Third-Party Information

This website may contain links to third-party websites and may reference information from external sources. Kost Labs, LLC:

• Does not control or endorse third-party websites
• Is not responsible for the accuracy of external information
• Makes no warranties regarding third-party content
• Is not liable for any damages resulting from third-party interactions

No Lender Relationship

Kost Labs, LLC is not a mortgage lender, broker, or loan officer. We do not:

• Originate, service, or fund mortgage loans
• Provide quotes or offers for mortgage products
• Collect or process loan applications
• Receive compensation from lenders for referrals
• Guarantee approval or specific terms from any lender

Personal Responsibility

By using this website and calculator, you acknowledge that:

• You are solely responsible for verifying all information and calculations
• You should consult with qualified professionals before making financial decisions
• You understand that mortgage decisions have long-term financial implications
• You will independently research and compare mortgage options
• You will not rely solely on our calculator for financial decision-making

Errors and Omissions

While we strive for accuracy, this website may contain:

• Technical inaccuracies or calculation errors
• Typographical mistakes or outdated information
• Incomplete or missing details
• Changes in mortgage industry standards or regulations

Kost Labs, LLC reserves the right to correct errors, inaccuracies, or omissions and to change or update information at any time without prior notice.

Limitation of Liability

To the fullest extent permitted by law, Kost Labs, LLC shall not be liable for any:

• Direct, indirect, incidental, or consequential damages
• Financial losses resulting from use of our calculator or information
• Decisions made based on our tools or content
• Errors, inaccuracies, or omissions in calculations or information
• Technical issues, system failures, or data loss
• Third-party actions or content

Educational Purpose

This website is designed primarily for educational purposes to help users:

• Understand how different mortgage terms affect monthly payments
• Compare various mortgage scenarios
• Learn about the concept of 50-year mortgages
• Explore long-term financial implications of extended mortgage terms

The information should serve as a starting point for your research, not as a substitute for professional financial advice.

Regulatory Compliance

This website and calculator are provided for informational purposes only and are not subject to oversight by financial regulatory agencies. We do not claim compliance with any specific mortgage lending regulations, as we are not engaged in lending activities.

Changes to This Disclaimer

We reserve the right to modify this disclaimer at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the website after changes constitutes acceptance of the modified disclaimer.