Terms of Use

Last updated September 29, 2026

By using yourtruepayment.com you agree to these terms.

Estimates, not offers

YourTruePayment gives educational estimates. Payments, rates, cash to close, the Payment Score and the underwriting snapshot are based on what you enter, public data and general guidelines. They are not a loan approval, a commitment to lend, a rate quote or lock, or a Loan Estimate. Actual terms depend on a full application, credit review, appraisal, underwriting and the market on the day you lock.

Property information

Listing and property details come from third-party sources and may be incomplete or out of date. Check taxes, HOA dues, insurance and flood zone with the listing agent, the county and your insurer before making an offer.

Your account

Keep your email account secure, since sign-in codes are sent there. You agree to give accurate contact information. We may suspend accounts that misuse the site.

Acceptable use

Don't copy the site's data in bulk, run automated lookups, or try to get around the free-analysis limit.

No warranty

The site is provided as is. To the extent the law allows, we are not liable for decisions made using its estimates.

Contact

Ralph Almodovar, NMLS# 264265 · ralph@yourbettermortgage.com · 305.978.5050