Terms of Use
Effective Date: 3/2/26
Last Updated: 3/2/26
These Terms of Use (“Terms”) govern your access to and use of the website and services operated by Bay Area Home Estimate (“Company,” “we,” “us,” or “our”), including our calculators, forms, content, and related services (collectively, the “Site”).
By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.
1. What We Do
Bay Area Home Estimate provides informational tools such as mortgage and affordability calculators and educational content. We also operate a lead generation platform. If you submit information through our Site, you understand that your information may be shared with third parties, including licensed mortgage professionals, lenders, brokers, real estate professionals, and other service providers.
We are not a lender, mortgage broker, or real estate agent, and we do not provide financial, legal, or tax advice.
2. No Offer, No Advice, No Guarantee
The Site is for informational and marketing purposes only.
Not financial advice: Content and calculator outputs are general estimates and not advice or recommendations.
No guarantee: We do not guarantee accuracy, completeness, or that you will qualify for any loan, rate, program, or terms.
Not an offer: Nothing on the Site is an offer to lend, a commitment to lend, or a pre-approval decision.
You should consult qualified professionals for your specific situation.
3. Calculator Disclosures
Our calculators provide estimates based on the inputs you provide and assumptions that may not match actual lender underwriting standards.
Outputs can change significantly based on factors including credit profile, debt-to-income ratios, down payment, property type, taxes, insurance, HOA dues, loan program rules, and market conditions.
You are responsible for verifying all estimates with a licensed mortgage professional.
4. Lead Submission and Consent to Contact
If you submit your information on the Site (including through a form, calculator gate, or “Get Help” request), you expressly authorize us and our partners to contact you.
You agree that we and/or our partners may contact you by:
phone call,
text/SMS,
email,
and/or automated dialing systems where permitted by law,
at the phone number and email address you provide, even if you are on a “Do Not Call” list. Message and data rates may apply. Consent to receive marketing communications is not a condition of purchasing any goods or services.
You may opt out of marketing emails by using the unsubscribe link, and you may opt out of SMS by replying STOP (if applicable).
5. Lead Sharing, Partner Matching, and Compensation
By submitting information, you understand and agree that:
We may share your information with third parties (including mortgage brokers, lenders, and other service providers) to connect you with quotes, offers, or services.
We may receive compensation from third parties for these referrals or lead transfers.
The partners you are matched with may not represent all available providers in the market.
We do not guarantee you will receive offers, rates, or approvals.
6. Eligibility
You must be at least 18 years old to use the Site. By using the Site, you represent that you are at least 18.
7. Acceptable Use
You agree not to:
Use the Site for unlawful purposes.
Submit false, misleading, or inaccurate information.
Attempt to disrupt, compromise, or reverse engineer the Site.
Scrape, harvest, or collect data or leads from the Site without permission.
Use the Site to transmit malware or harmful code.