Welcome to the CPF Mortgage website. These Terms of Use ("Terms") govern your access to and use of cpfloans.com, including the information, tools, calculators, forms, videos, resources, and other content made available through this website.
By accessing or using this website, you acknowledge and agree to these Terms. If you do not agree with these Terms, please discontinue use of the website.
CPF Mortgage provides residential mortgage lending and mortgage brokerage services. Information available through this website is provided for general informational and educational purposes and should not be considered financial, legal, tax, or investment advice.
Mortgage products, programs, rates, terms, eligibility requirements, and availability are subject to change and may vary based on borrower qualifications, property characteristics, loan program requirements, market conditions, and other applicable factors.
Accessing this website, submitting a contact or inquiry form, requesting information, requesting a quote, or otherwise communicating with CPF Mortgage through this website does not constitute loan approval, a commitment to lend, a rate lock, or a guarantee of any particular mortgage product, interest rate, payment, closing cost, or loan terms.
All mortgage applications and loan approvals are subject to applicable underwriting requirements, verification of information, credit approval, acceptable property conditions, investor or agency guidelines, and other applicable loan program requirements.
Mortgage rates, payments, loan programs, examples, scenarios, and other mortgage-related information displayed on this website are provided for informational purposes unless expressly stated otherwise.
Interest rates and loan terms may change without notice and are subject to market conditions and individual borrower qualification. Not all applicants will qualify for all mortgage products, programs, rates, or terms.
Nothing contained on this website constitutes a commitment to make a loan or a rate lock agreement.
Any mortgage calculators, payment calculations, affordability estimates, refinance estimates, home-value information, or other financial tools available through this website are provided for illustrative and educational purposes only.
Results are estimates and should not be considered a loan offer, loan approval, or guarantee of actual financing terms. Calculations may not include all applicable expenses, including property taxes, homeowners insurance, mortgage insurance, homeowners association fees, closing costs, prepaid expenses, or other costs associated with obtaining or maintaining a mortgage.
Actual loan terms and payments may differ.
You agree that information you voluntarily provide to CPF Mortgage through this website will be accurate and complete to the best of your knowledge.
Submitting information through a website form does not obligate you to obtain a mortgage product or service from CPF Mortgage and does not obligate CPF Mortgage to provide financing.
Information submitted through this website will be handled in accordance with our Privacy Policy and applicable law.
Providing contact information through this website does not, by itself, constitute consent to receive marketing communications where applicable law requires additional consent.
When a CPF Mortgage website form presents a marketing consent checkbox or other express consent disclosure, the terms presented with that consent control the communications you authorize.
If you affirmatively provide the applicable consent, CPF Mortgage may contact you regarding mortgage products and services at the telephone number and email address you provide, including through calls, text messages, emails, artificial or prerecorded voice messages, or automated technology to the extent described in the consent and permitted by applicable law.
Where expressly authorized by your consent and permitted by applicable law, CPF Mortgage may contact you at the telephone number you provided even if that number appears on a federal, state, or internal Do Not Call list.
Consent to receive marketing communications is not required as a condition of obtaining a mortgage product or service from CPF Mortgage. Message and data rates may apply.
You may revoke your consent to receive marketing communications at any time. Text-message recipients may reply STOP to opt out of text messages. Email recipients may use the unsubscribe instructions provided in marketing emails. You may also contact CPF Mortgage directly to request that applicable marketing communications cease.
CPF Mortgage will honor applicable opt-out and revocation requests in accordance with applicable law.
Your use of this website is also subject to the CPF Mortgage Privacy Policy.
Our Privacy Policy describes how CPF Mortgage collects, uses, maintains, and protects information provided through our website and other interactions with CPF Mortgage.
Please review the Privacy Policy before submitting personal information through this website.
This website may contain links to websites, tools, resources, or services provided by third parties. These links are provided for convenience or informational purposes.
CPF Mortgage does not control third-party websites and is not responsible for their content, accuracy, availability, security, privacy practices, or terms of use.
Your use of a third-party website or service is subject to the terms and privacy policies of that third party.
Unless otherwise stated, the content available on this website, including text, graphics, photographs, videos, logos, branding, design elements, and other materials, is owned by or licensed to CPF Mortgage and is protected by applicable intellectual property laws.
Website content may be viewed and used for personal, noncommercial purposes.
You may not reproduce, distribute, republish, modify, sell, commercially exploit, or otherwise use CPF Mortgage website content without prior written authorization from CPF Mortgage, except as otherwise permitted by law.
You agree not to use this website:
For any unlawful or fraudulent purpose;
To submit knowingly false, misleading, or fraudulent information;
To attempt to gain unauthorized access to this website, its servers, systems, or data;
To introduce viruses, malicious code, or other harmful technology;
To interfere with the operation, security, or availability of the website;
To impersonate another person or misrepresent your identity; or
In any manner that violates applicable federal, state, or local law.
CPF Mortgage makes reasonable efforts to maintain accurate and current website information. However, mortgage programs, guidelines, rates, laws, regulations, market conditions, and other information can change.
CPF Mortgage does not warrant that all website information will always be complete, accurate, current, or error-free.
CPF Mortgage may modify, suspend, discontinue, or restrict any portion of the website without notice.
To the fullest extent permitted by applicable law, CPF Mortgage will not be responsible for losses or damages resulting solely from reliance upon general informational content, estimates, calculators, third-party links, or other non-binding information made available through this website.
Nothing in these Terms is intended to waive, restrict, or limit any right, obligation, protection, or remedy that cannot legally be waived or limited under applicable law.
Information provided on this website is general in nature and should not be considered legal, tax, accounting, investment, or other professional advice.
Consumers should consult appropriate qualified professionals regarding their individual circumstances when necessary.
CPF Mortgage representatives can provide information regarding mortgage products and the mortgage financing process within the scope of their applicable licenses and responsibilities.
CPF Mortgage may modify these Terms periodically to reflect changes to our website, services, business practices, or applicable requirements.
When these Terms are revised, the "Last Updated" date at the top of this page will be updated.
Your continued use of this website following an update constitutes acceptance of the revised Terms to the extent permitted by applicable law.
Questions regarding these Terms of Use may be directed to CPF Mortgage using the contact information provided on our website.
CPF Mortgage
NMLS #222883
Phone: (727) 226-1040
Website: cpfloans.com
CPF Mortgage is an Equal Housing Opportunity lender. Additional licensing, regulatory, and consumer information is available through the disclosures provided on this website.
