Disclaimer & Legal

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Refi Signal provides educational refinance estimates and decision-support information based on inputs you provide. It is intended to help property owners and investors think through refinance timing, cash flow, and capital trade-offs — it is not a substitute for professional advice or a lender's underwriting.

Refi Signal is not a lender or mortgage broker. We do not originate loans, broker loans, take loan applications, approve loan applications, lock rates, or issue loan commitments. No content in this product should be interpreted as a loan offer, pre-approval, or guarantee of refinance terms.

Nothing in Refi Signal constitutes financial, investment, tax, legal, accounting, or lending advice. Your situation is unique. Before making refinance, investment, tax, or legal decisions, consult qualified professionals such as a licensed lender, mortgage broker, financial advisor, CPA, or attorney.

Outputs such as readiness scores, DSCR, cash flow estimates, refinance timing windows, capital recovery periods, and opportunity-cost comparisons are estimates only. They are generated from the values you enter and from generalized assumptions.

Actual loan terms, interest rates, fees, underwriting standards, appraisal values, property taxes, insurance, rents, vacancy, maintenance, and investment results may differ — sometimes materially — from any figures shown here.

Refi Signal is not affiliated with, endorsed by, or sponsored by any lender, mortgage broker, or financial institution unless explicitly stated on a specific page or feature.

The public Refi Signal MVP does not collect payment information or sell personal data. Inputs you enter on the dashboard are used to compute estimates for your session.

Refi Signal may use basic analytics to understand page views and product usage. Analytics should not include property addresses, names, emails, full loan inputs, or full calculation details.

If you create an account and save a property, Refi Signal stores the financial inputs you provide along with a nickname you choose. Use a nickname; do not enter street addresses. You can delete an individual saved property, or delete all of your saved data, from the account settings page at any time.

Deleting saved data removes it from the active application database. Limited residual copies may remain temporarily in encrypted operational backups maintained for disaster recovery.

Refi Signal’s operator and service providers may access stored data only as reasonably necessary to operate, secure, support, or comply with legal obligations for the service.

Refi Signal may recommend tools, services, or resources in the future. If affiliate links are used, we may receive compensation when you sign up or purchase through those links. This disclosure will be updated to identify any affiliate relationships when they are introduced. Today, no affiliate links are in use.