Terms of Use

1 Acceptance of Terms

By accessing or using hometownsrealty.com (the “Site”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree, please do not use this Site.

These Terms apply to all visitors, subscribers, and users of the Site. We reserve the right to update these Terms at any time. Continued use of the Site after changes are posted constitutes acceptance of the updated Terms. The “Last Updated” date at the top of this page reflects the most recent revision.

2 Who We Are

Hometowns Realty (hometownsrealty.com) is an independent real estate education website. We publish free guides, calculators, market analysis, and reference materials for home buyers, sellers, and real estate investors.

Always consult a licensed professional — including a licensed real estate agent, attorney, financial advisor, or mortgage lender — before making real estate or investment decisions.

3 Educational Content — Not Professional Advice

All guides, articles, calculators, frameworks, market analysis, glossary definitions, and other content on this Site are provided for educational and informational purposes only. This content:

4 Calculators, Tools & Estimates

This Site provides free real estate calculators and tools including the ARV Calculator, MAO Calculator, and Land Offer Framework. These are provided for estimation and educational purposes only.

You are solely responsible for verifying all outputs against real market data, comparable sales, and professional appraisals before making any offer or investment decision. We are not liable for any financial loss resulting from reliance on calculator outputs.

5 Market Data & Third-Party Sources

This Site references data from Freddie Mac, FRED, FHFA, the U.S. Census Bureau, NAR, CFPB, FEMA, and USGS. This data is cited for informational context only.

6 Affiliate Links & Advertising

This Site participates in the eBay Partner Network (EPN) affiliate program and may participate in other affiliate programs. Certain links are affiliate links, identified with rel="nofollow sponsored" and disclosed on relevant pages.

7 Intellectual Property

All original content on this Site — including text, guides, frameworks, tool interfaces, design, and layout — is the property of Hometowns Realty and protected by applicable copyright law.

You may:

You may not:

For permission requests contact us at hometownsrealty.com/contact.

8 User Conduct

By using this Site, you agree not to:

9 Disclaimer of Warranties

This Site and all content, tools, and materials are provided “as is” and “as available” without warranties of any kind, either express or implied, including warranties of merchantability, fitness for a particular purpose, or that the Site will be uninterrupted, error-free, or that information will be accurate, complete, or current.

Your use of this Site is at your sole risk. We make no representations about the suitability of any information for your specific circumstances.

10 Limitation of Liability

This limitation applies regardless of whether we have been advised of the possibility of such damages. In jurisdictions that do not allow the exclusion or limitation of such damages, our liability is limited to the maximum extent permitted by law.

Real estate transactions involve significant financial risk. Always conduct independent due diligence and consult qualified professionals before any property-related decision.

11 Indemnification

You agree to indemnify, defend, and hold harmless Hometowns Realty and its owners, contributors, and operators from and against any claims, damages, losses, costs, and expenses (including reasonable legal fees) arising from your use of or reliance on this Site, your violation of these Terms, or your violation of any applicable law or the rights of any third party.

12 Third-Party Links & Services

This Site links to third-party websites including eBay, Freddie Mac, FRED, FHFA, NAR, CFPB, Census Bureau, FEMA, USGS, Investopedia, and REsimpli. These links are for convenience only.

13 eBay Property Listings

Pages on this Site link to real property listings on eBay through the eBay Partner Network. Important terms:

14 Privacy

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using this Site, you consent to the collection and use of information as described in the Privacy Policy.

15 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Hometowns Realty operates, without regard to conflict of law principles. Any dispute arising from these Terms or your use of this Site shall be resolved in the appropriate courts of that jurisdiction.

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

16 Changes to These Terms

We reserve the right to modify these Terms at any time. When we do, we will update the “Last Updated” date at the top of this page. Your continued use of this Site after changes are posted constitutes acceptance of the revised Terms. Previous versions are available on request.