Terms of Service
Last Updated: January 14, 2026
Important: No Financial Advice or Guarantees
Loan Doctor is an educational tool only. Nothing on this site constitutes financial, mortgage, tax, legal, or investment advice. All estimates are preliminary and non-binding.
1. Acceptance of Terms
By using Loan Doctor (website, calculator, forms, or services), you agree to these Terms. If you do not agree, please do not use our services.
2. Service Description
Loan Doctor offers an educational debt analysis tool and optional submission to loan officers. Any pre-qualification estimates are illustrative, preliminary, and do not constitute a loan offer, commitment, or guarantee of approval, rates, or terms.
3. User Obligations
- • You must be at least 18 years old
- • All information you provide must be accurate and current
- • You will not misuse the service or violate any laws
4. Credit Inquiries & Applications
By submitting information for review, you authorize credit inquiries (which may impact your credit score) and acknowledge that any pre-qualification is non-binding and subject to full underwriting and verification.
5. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, LOAN DOCTOR AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE.
6. Changes to Terms
We may update these Terms at any time. Continued use after changes means you accept the updated Terms.