Terms of Service
Effective Date: May 23, 2026
You are reading the rules for using tennesseemortgage-rates.com. We built this site to cut through the noise of the Tennessee mortgage market. We provide data, lender insights, and rate analysis. We do not originate loans. By using this site, you agree to these terms. If you disagree, close the tab.
The mortgage industry thrives on confusion. Lenders bury origination fees in the fine print. Brokers quote teaser rates that disappear the moment they pull your credit. We built this platform to illuminate those blind spots for Tennessee homebuyers. But we need to establish the boundaries of our relationship.
1. We Provide Information, Not Financial Advice
This is for educational purposes only and does not constitute financial or investment advice. Consult a qualified advisor. We track rate trends across Nashville, Memphis, and Knoxville. We analyze loan products. We expose hidden fees. We do not act as your fiduciary, broker, or loan officer.
The weight of a mortgage decision rests entirely on your shoulders. Rates change hourly based on the bond market. The numbers you see here represent state averages and historical trends. They do not represent a guaranteed lock-in rate for your specific credit profile.
Real money. Real consequences. Zero guarantees.
Before you sign a 30-year note, you must verify every detail with a licensed professional. Do not base a half-million-dollar financial decision solely on an article you read on the internet. Do your own due diligence.
2. How We Keep the Lights On
Running a high-resolution data site costs money. We pay for secure hosting. We pay for secondary market data feeds. We spend hours interviewing local loan officers. To fund this operation, we participate in affiliate marketing programs.
We review lenders. We compare broker fees. Sometimes, we link to them. If you click a link and apply for a loan, we earn a commission. This compensation never dictates our editorial stance. We rejected three major national lenders last fall because their hidden origination fees penalized first-time buyers.
We publish what we find. The commission simply funds our research. You are never obligated to click our links or use our recommended partners.
3. Our Intellectual Property
We do the heavy lifting. We pull the rate sheets. We write the neighborhood lending guides. The content on tennesseemortgage-rates.com belongs entirely to us. It is protected by copyright and intellectual property laws.
You cannot scrape our rate tables. You cannot copy our lender reviews. You cannot republish our Tennessee FHA loan guides on your own brokerage site. If you want to reference our data, you must link back to the original page.
Read it. Use it. Do not steal it.
4. Your Responsibilities as a Borrower
You must verify every number with your actual lender. A realistic rate quote requires a hard credit pull, a verified debt-to-income ratio, and a property appraisal. We do not have your financial data. Therefore, our published rates serve strictly as a baseline.
You agree not to hold us responsible when a local credit union quotes you a rate 0.25% higher than our published state average. The friction of underwriting is your reality to navigate. You are responsible for understanding the difference between an Annual Percentage Rate and a base interest rate.
Do not open new credit cards before closing. Do not change jobs during underwriting. We provide the map, but you drive the car.
5. Disclaimer of Warranties
We provide this site “as is” and “as available.” We strip away the guarantees. Mortgage markets operate on extreme volatility. A jobs report drops, and bond yields spike instantly. We update our content constantly, but we do not promise absolute real-time accuracy.
We disclaim all warranties, express or implied. We do not guarantee that our site will be error-free. We do not guarantee that a specific loan product mentioned in our archives still exists today. Lenders pull programs without warning. Guidelines shift overnight.
6. Limitation of Liability
Real estate transactions fail constantly. Appraisals come in short. Underwriters deny files at the eleventh hour. Sellers back out. Under no circumstances will tennesseemortgage-rates.com or its operators be liable for your financial losses, missed closing dates, or lost earnest money.
You assume total responsibility for your use of our insights. If a lender we reviewed denies your application, that is between you and the lender. If you lock a rate and the market drops the next day, you cannot claim damages against us.
Our liability is strictly limited to the maximum extent permitted by law. We provide free educational content. We accept zero liability for your real-world financial outcomes.
7. Third-Party Lenders and Brokers
We link to external mortgage brokers, national banks, and Tennessee credit unions. We do not control their websites. We do not control their privacy practices or their data security protocols.
Once you leave our domain to fill out a pre-approval application, our terms no longer apply. You are entering their ecosystem. You will hand over your Social Security number, your W2s, and your bank statements to them, not us.
Read their fine print. Question their fee structures. Demand a locked Loan Estimate. We are not responsible for how third-party lenders handle your sensitive financial data.
8. Governing Law
We operate in Tennessee. These terms fall under the jurisdiction of Tennessee state law. Any legal dispute arising from your use of this site will be handled exclusively in Tennessee courts.
By using this site, you consent to this jurisdiction. You waive any right to participate in a class-action lawsuit against us. Disputes will be resolved individually.
9. Modifications to Terms
The mortgage industry shifts constantly. So do our policies. We reserve the right to modify these terms at any time without direct notice to you. We will post the updated document directly on this page.
Continued use of the site means you accept the new rules. It is your responsibility to check this page periodically. If a change fundamentally alters your rights, we will update the effective date at the top of the page.
10. Contact Information
We run a transparent operation. If you have questions about these terms, reach out directly. We monitor our inbox daily. We do not hide behind automated ticketing systems.
Expect a response within 48 hours. Email us at legal@tennesseemortgage-rates.com. If you spot an error in our rate data, tell us. If you have a dispute regarding our affiliate disclosures, put it in writing.