Terms of Use

Welcome to USA.loan. These Terms of Use ("Terms") govern your use of this website, operated by Huitai LLC in connection with mortgage services offered by Derek Huit, NMLS #203980, through Cardinal Financial Company, Limited Partnership, NMLS #66247. By using this site, you agree to these Terms.

Not a Commitment to Lend

Content on this site is for general information. Nothing on this site constitutes a commitment to lend or a guarantee of any specific loan term, rate, or approval. Loans are subject to credit approval, underwriting, appraisal, and program availability. Rates, terms, and programs are subject to change at any time without notice.

Eligibility

You must be at least 18 years old and legally able to enter a binding contract. This site is directed to U.S. residents outside of New York. No mortgage applications for properties located in the state of New York will be accepted through this site.

Accuracy of Information

You agree that any information you provide (including identity, income, employment, and contact details) will be truthful and complete. Providing false or misleading information in connection with a mortgage application may be a federal crime.

Third-Party Links and Services

This site links to third-party services, including Cardinal Financial Company's application portal. Those services have their own terms and privacy policies. We are not responsible for the content, accuracy, or practices of third-party sites.

Intellectual Property

All content on this site — copy, design, photographs, and downloadable guides — is owned by Huitai LLC or used under license. You may view and download content for personal use, but may not republish, redistribute, or create derivative works without written permission.

Electronic Communications

By submitting your contact information, you consent to receive electronic communications from us relating to your inquiry, your application (if any), and our services. You may withdraw consent at any time by following the opt-out instructions in any message, or by contacting us directly.

Disclaimer of Warranties

This site is provided "as is" and "as available," without warranties of any kind, express or implied, to the fullest extent permitted by law. We do not warrant that the site will be error-free, uninterrupted, or secure.

Limitation of Liability

To the fullest extent permitted by law, in no event will Huitai LLC or its officers, employees, or affiliates be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of this site.

Governing Law

These Terms are governed by the laws of the State of Alaska, without regard to its conflict-of-laws rules. Any dispute shall be brought in the state or federal courts located in Anchorage, Alaska, and you consent to the personal jurisdiction of those courts.

Changes to These Terms

We may update these Terms from time to time. The "last updated" date at the top reflects the most recent revision. Continued use of the site after changes constitutes acceptance of the revised Terms.

Contact

For questions about these Terms, contact Derek Huit, NMLS #203980, through the application link on this site. Licensing details: cardinalfinancial.com/nmls-licensing.

Powered by Cardinal Financial Company, Limited Partnership | NMLS #66247. Equal Housing Opportunity. Not a commitment to lend.