Terms of Service

Welcome to Cook Brothers Mortgage ("selfmademortgage.com," "we," "us," or "our"), a website operated by Cornerstone First Mortgage, LLC (NMLS #173855). By accessing or using our website, you agree to be bound by these Terms of Service. Please read them carefully before using our services.

Acceptance of Terms

By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, please do not use our website or services.

Description of Services

Cook Brothers Mortgage provides educational information about home loan options for self-employed borrowers, including bank statement, 1099, profit-and-loss, asset-based, ITIN, and foreign national programs. Our website offers:

• Educational information about non-QM loan programs and how they work
• A qualifier quiz to help identify programs that may fit your situation
• An income calculator for educational estimates
• Educational blog content about self-employed home financing
• Contact forms to connect with licensed mortgage loan originators

Not a Loan Offer or Commitment

Important: The information on this website is for educational and informational purposes only. Nothing on this website constitutes:

• A loan offer, loan commitment, or loan approval
• A guarantee of eligibility for any loan program
• A guarantee of any specific rate, term, or loan amount
• Financial, legal, or tax advice

All loans are subject to credit approval, income and asset verification, property appraisal, underwriting, and an ability-to-repay determination. Non-QM programs require alternative income documentation, and not all applicants will qualify. Actual terms are determined based on your individual profile and program availability at the time of application.

Eligibility and Qualification Tools

The qualifier quiz and income calculator on our website provide preliminary estimates based on general program guidelines and the information you provide. These tools are for educational purposes only, do not guarantee eligibility, approval, rates, or terms, and do not constitute a loan application or commitment to lend. Program availability and guidelines are subject to change without notice.

Geographic Availability

Cornerstone First Mortgage, LLC is licensed to originate residential mortgage loans in all U.S. states except New York. We do not offer, solicit, or provide mortgage services to New York residents or for properties located in New York. See our Disclosures & Licensing page for details.

No Government Affiliation

Cook Brothers Mortgage and Cornerstone First Mortgage, LLC are not affiliated with, endorsed by, or acting on behalf of any federal or state government agency.

User Responsibilities

By using our website, you agree to:

• Provide accurate and truthful information in any forms, quizzes, or communications
• Use the website only for lawful purposes
• Not interfere with the proper operation of the website
• Not impersonate any person or entity
• Not use automated systems (bots, scrapers) to access the website without permission

Communications Consent (TCPA)

When you submit your contact information and check the consent box on our website, you consent to receive calls, text messages (including by autodialer or prerecorded/artificial voice), and emails from Cornerstone First Mortgage, LLC (NMLS #173855) and its loan officers at the phone number and email address you provide, including for marketing purposes. Your consent is not a condition of purchasing any product or service. Message and data rates may apply, and message frequency varies. You may reply STOP to opt out of text messages at any time, or use the unsubscribe link in any email. Opting out of marketing communications does not affect transactional communications related to an active loan application.

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Cornerstone First Mortgage, LLC or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content without prior written consent.

Third-Party Links

Our website may contain links to third-party websites, including the NMLS Consumer Access site and scheduling platforms (Calendly, Cal.com). We provide these links for your convenience only, do not control these third-party websites, and are not responsible for their content, privacy practices, or availability. Your use of third-party websites is at your own risk.

Disclaimer of Warranties

This website and all content, tools, and services are provided "as is" and "as available" without warranties of any kind, express or implied. To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability and fitness for a particular purpose, and warranties that the website will be uninterrupted, secure, error-free, or accurate.

Limitation of Liability

To the fullest extent permitted by applicable law, Cornerstone First Mortgage, LLC, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of or inability to use the website, errors or omissions in content, unauthorized access to your information, or any decisions made based on information provided on the website.

Indemnification

You agree to indemnify, defend, and hold harmless Cornerstone First Mortgage, LLC, its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from your use of the website or violation of these Terms of Service.

Privacy

Your use of this website is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using this website, you consent to the practices described in our Privacy Policy.

Governing Law

These Terms of Service are governed by applicable federal law and the laws of the state in which Cornerstone First Mortgage, LLC maintains its principal place of business, without regard to conflict-of-law principles.

Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes are effective upon posting to the website. Your continued use of the website after any changes constitutes acceptance of the modified terms.

Severability

If any provision of these Terms of Service is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms of Service, together with our Privacy Policy and any other legal notices published on this website, constitute the entire agreement between you and Cornerstone First Mortgage, LLC regarding your use of the website.

Contact Information

If you have questions about these Terms of Service, please contact us: