Terms of Service

Last Updated: November 21, 2025

1. Introduction

Welcome to Capital Mortgage Source (NMLS# 2320694). These Terms of Service ("Terms") govern your use of our website, calculators, and mortgage brokerage services. By accessing or using our website or services, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access our services.

Important: Capital Mortgage Source is a mortgage broker, not a lender. We do not make credit decisions or fund loans. We assist borrowers in finding suitable mortgage products from licensed lenders.

2. Use of Our Services

2.1 Website Content

Our website provides information about mortgage products, calculators, loan officer profiles, and educational resources. The information provided is for general informational and educational purposes only and does not constitute financial, legal, or tax advice. You should consult with qualified professionals regarding your specific financial situation.

2.2 No Loan Offer or Commitment

Nothing on this website constitutes a loan offer, commitment to lend, or credit decision. All mortgage applications are subject to:

• Credit approval and underwriting by licensed lenders
• Verification of income, assets, employment, and creditworthiness
• Property appraisal and title review
• Compliance with lender guidelines and applicable regulations

Not all applicants will qualify for mortgage financing. Loan approval is at the sole discretion of the lender.

2.3 Rates and Terms Subject to Change

Interest rates, fees, and loan terms displayed on our website are subject to change without notice and may vary based on:

• Credit score and credit history
• Loan-to-value ratio and down payment amount
• Property type, location, and occupancy
• Loan amount and program type
• Market conditions and lender pricing

Rate quotes provided are estimates only. Actual rates will be determined at the time of application and rate lock.

2.4 User Responsibilities

When using our services, you agree to:

• Provide accurate, complete, and truthful information
• Update information promptly if it changes during the application process
• Maintain confidentiality of any login credentials or account access
• Comply with all applicable laws and regulations
• Not misrepresent your identity, income, assets, or other material facts

Providing false or misleading information may result in denial of your application and may violate federal and state laws.

3. Privacy Policy

Your use of our services is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information.

4. Intellectual Property

The content, features, and functionality of our website, including but not limited to text, graphics, logos, icons, images, audio clips, and software, are owned by Capital Mortgage and are protected by copyright, trademark, and other intellectual property laws.

5. Calculator Tools and Estimates

Our website includes mortgage calculators for estimating payments, affordability, and refinancing scenarios. All calculator results are estimates only and are not guarantees of actual loan terms, payments, or approval.

Calculator assumptions may not reflect your actual situation. Results do not include all potential fees, costs, or variables that may affect your final loan terms. Contact a licensed loan officer for personalized quotes based on your specific circumstances.

6. Disclaimer of Warranties

Our services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the website will be uninterrupted, secure, or error-free
• Warranties regarding the accuracy, completeness, or reliability of content
• Warranties that defects or errors will be corrected

We do not warrant or guarantee loan approval, specific interest rates, or any particular outcome from using our services.

7. Limitation of Liability

To the fullest extent permitted by law, Capital Mortgage Source, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Denial of mortgage financing or credit
• Increased interest rates or unfavorable loan terms
• Errors or omissions in website content or calculator results

Our total liability to you for any claims arising from your use of our services shall not exceed the fees you paid to us, if any, in the twelve (12) months preceding the claim.

7. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of significant changes by posting the updated Terms on our website. Your continued use of our services after such modifications constitutes your acceptance of the revised Terms.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

9. Equal Housing and Anti-Discrimination

Capital Mortgage Source is an Equal Housing Opportunity mortgage broker. We comply with the Equal Credit Opportunity Act (ECOA) and Fair Housing Act. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance income, or exercise of rights under the Consumer Credit Protection Act.

10. Contact Information

If you have any questions about these Terms, please contact us at:

11. Effective Date and Acknowledgment

These Terms are effective as of the "Last Updated" date shown above. By using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms.