*The results from this calculator are an approximate guide only. This calculator, or the results generated, do not constitute any agreement by any lender to provide credit. The calculations do not take into account any fees and charges that a lender may levy. G.J. Gardner Homes and their affiliated companies are not responsible for the calculator or its calculations and make no representations either expressly or impliedly concerning the calculator or calculations. G.J. Gardner Homes accepts no liability whatsoever in relation to the calculator or calculations.