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COMMUNITY WHOLESALE LENDING

TERMS & CONDITIONS

Effective Date: September 9, 2026
Last Updated: September 17, 2026

1. Acceptance of Terms

These Terms & Conditions ("Terms") govern your access to and use of www.cwlend.com and any related websites, portals, forms, applications, communications, content, tools, and online features provided by Community Wholesale Lending ("Community Wholesale Lending," "CWL," "Company," "we," "us," or "our").

By accessing or using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, please do not use our website or online services.

2. Nature of Services

Community Wholesale Lending provides mortgage-related information, lending services, wholesale mortgage services, loan origination support, and related products and services.

Information made available through this website is provided for general informational purposes and does not constitute a commitment to lend, loan approval, pre-approval, guarantee of financing, or offer to enter into a particular loan transaction unless expressly stated in a separate written agreement issued by an authorized representative of Community Wholesale Lending.

All loan programs, applications, approvals, interest rates, pricing, terms, loan amounts, loan-to-value limits, credit requirements, documentation requirements, underwriting decisions, and funding decisions are subject to applicable underwriting guidelines, investor requirements, verification, applicable law, licensing requirements, and program availability.

Not all products or programs are available in all states or to all borrowers. Additional restrictions may apply.

Nothing contained on this website guarantees that any applicant or borrower will qualify for financing.

3. No Commitment to Lend

Nothing on this website, including loan program descriptions, examples, calculators, scenarios, estimated payments, rates, pricing, marketing materials, or other content, constitutes a commitment to lend.

A commitment to lend may only be made through appropriate written loan documentation issued by Community Wholesale Lending in accordance with applicable law and Company requirements.

Website content does not modify, replace, supersede, or amend any disclosures, agreements, loan documents, underwriting requirements, or other documentation provided in connection with an actual mortgage transaction.

4. Website Information and Program Availability

Community Wholesale Lending makes reasonable efforts to provide accurate and current information. However, we do not warrant or guarantee that all information appearing on this website is complete, accurate, current, or applicable to every transaction.

Mortgage programs, guidelines, rates, pricing, fees, eligibility requirements, underwriting requirements, investor guidelines, and other terms may change, be suspended, or be discontinued at any time without prior notice.

Information displayed on the website may not reflect the most recent program or pricing changes.

You should contact an authorized Community Wholesale Lending representative for current information regarding available programs and requirements.

5. Eligibility and Lawful Use

You agree to use this website and its services only for lawful purposes.

You may not:

  • use the website in violation of any applicable federal, state, or local law or regulation;

  • submit false, fraudulent, misleading, inaccurate, or unauthorized information;

  • impersonate another person or misrepresent your identity, authority, or affiliation;

  • interfere with or disrupt the operation, functionality, availability, or security of the website;

  • attempt to gain unauthorized access to any website, account, server, database, system, or network;

  • introduce viruses, malware, malicious code, or other harmful technology;

  • scrape, crawl, harvest, copy, reproduce, or exploit website content or data for unauthorized commercial purposes;

  • use automated systems to access the website in a manner that places an unreasonable burden on our infrastructure; or

  • attempt to circumvent security or access-control measures.

We reserve the right to restrict, suspend, or terminate access to the website when we reasonably believe these Terms have been violated or when necessary to protect our systems, users, or business.

6. Information You Provide

When submitting information through our website, portals, forms, applications, or other services, you agree to provide information that is accurate and complete to the best of your knowledge.

You represent that you have the right and authority to provide any information you submit to us.

Submission of information through the website does not guarantee approval, eligibility, acceptance of a loan application, or availability of any particular mortgage product.

Information submitted through our website is handled in accordance with our Privacy Policy and applicable law.

7. Account and Password Security

Certain portions of our website or services may require an account, username, password, authentication code, or other login credentials.

You are responsible for maintaining the confidentiality of your account credentials and for taking reasonable measures to prevent unauthorized access to your account.

You agree to notify Community Wholesale Lending promptly if you become aware of or reasonably suspect unauthorized access to or use of your account.

You should not share passwords, authentication codes, or other account credentials with unauthorized individuals.

Community Wholesale Lending reserves the right to suspend or restrict account access when reasonably necessary to protect account security, Company systems, users, or confidential information.

8. No Legal, Tax, Accounting, or Financial Advice

Website content is provided for general informational purposes only.

Nothing on this website should be interpreted as legal, tax, accounting, investment, or other professional advice unrelated to the mortgage services expressly being provided.

You should consult the appropriate independent professional regarding your individual circumstances.

9. Calculators, Scenarios, Rates, and Examples

Any mortgage calculators, payment estimates, rate examples, loan scenarios, savings illustrations, or other financial examples appearing on the website are provided for informational and illustrative purposes only.

Actual rates, payments, costs, loan amounts, eligibility, and terms may vary based on factors including credit profile, property characteristics, loan purpose, loan amount, market conditions, program requirements, underwriting, and other applicable criteria.

Unless expressly stated otherwise in writing, examples and estimates are not quotes, approvals, commitments to lend, or guarantees of financing.

10. Electronic Communications

By submitting information electronically, contacting us through the website, creating an account, or otherwise communicating with Community Wholesale Lending electronically, you consent to receive communications from us electronically as permitted by applicable law.

Electronic communications may include emails, website or portal notifications, application-related communications, disclosures, account or service communications, and, where you have provided appropriate consent, text messages.

Your consent to general electronic communications does not automatically constitute consent to receive marketing text messages where separate consent is required by law.

Certain mortgage transactions may require additional electronic consent, disclosures, acknowledgments, or signatures. Those requirements will be presented separately when applicable.

11. SMS/Text Messaging Terms

If you provide your mobile telephone number and consent to receive text messages from Community Wholesale Lending, you may receive conversational, informational, appointment-related, application-related, account-related, service-related, and other communications consistent with the consent you provided.

Where applicable, marketing or promotional text messages will only be sent in accordance with applicable consent requirements.

Message frequency may vary. Message and data rates may apply.

Consent to receive text messages is not a condition of purchasing any product, obtaining mortgage services, or applying for financing.

You may revoke your consent to receive text messages at any time through a reasonable method communicated to us. You may reply STOP to a text message to opt out. Other words or communications that reasonably communicate your desire to stop receiving applicable messages may also be treated as a revocation request as required by applicable law.

For assistance, reply HELP or contact us at:

Phone: 888.475.4005
Email: info@cwlend.com

After an opt-out request, you may receive a one-time message confirming your request where permitted by law.

Opting out of optional text messages does not prevent Community Wholesale Lending from communicating with you through other permitted methods or from providing communications that may otherwise be permitted or required by law.

12. Privacy

Your use of our website and services is also subject to the Community Wholesale Lending Privacy Policy.

The Privacy Policy explains how we collect, use, disclose, retain, and safeguard personal information and describes applicable privacy choices and rights.

Privacy Policy: www.cwlend.com/privacy_policy

If there is a conflict between these Terms and the Privacy Policy concerning the collection, use, or disclosure of personal information, the Privacy Policy will control with respect to those privacy matters.

13. Cookies and Similar Technologies

Our website may use cookies, pixels, analytics technologies, and similar tools to operate website features, maintain sessions, remember preferences, understand website usage, improve performance, and enhance the user experience.

Additional information about our use of cookies and similar technologies is available in our Privacy Policy.

You may be able to manage cookies through your browser or device settings. Disabling certain cookies may affect website functionality.

14. Intellectual Property

Unless otherwise indicated, all content made available through this website, including text, graphics, photographs, images, videos, logos, trademarks, icons, software, designs, layouts, downloadable materials, and other content, is owned by or licensed to Community Wholesale Lending and is protected by applicable intellectual property laws.

You may access and use website content for legitimate personal or business purposes related to your relationship with Community Wholesale Lending.

You may not reproduce, distribute, modify, republish, publicly display, sell, license, create derivative works from, or commercially exploit protected website content without prior written authorization from Community Wholesale Lending or the applicable rights holder.

Nothing contained on this website grants any license or right to use a Community Wholesale Lending trademark, logo, trade name, or other protected intellectual property except as expressly authorized in writing.

15. Third-Party Websites and Services

Our website may contain links to websites, applications, platforms, tools, or services operated by third parties.

These links are provided for convenience or informational purposes. Community Wholesale Lending does not control third-party websites or services and is not responsible for their content, availability, security, privacy practices, terms, products, or services.

The inclusion of a third-party link does not necessarily constitute an endorsement of that third party.

Your use of third-party websites and services is governed by the terms and privacy policies of those third parties.

16. Website Availability and Security

We take reasonable measures designed to maintain the availability and security of our website and systems. However, no website, network, transmission method, or electronic storage system can be guaranteed to operate without interruption or to be completely secure.

We do not guarantee uninterrupted access to the website and may temporarily suspend or restrict access for maintenance, security, updates, technical issues, or other operational reasons.

17. Disclaimer of Warranties

To the fullest extent permitted by applicable law, this website and its content, functionality, and services are provided on an "as is" and "as available" basis.

Community Wholesale Lending disclaims warranties of any kind, whether express, implied, or statutory, to the extent permitted by law.

We do not warrant that the website will always be available, uninterrupted, error-free, completely secure, or free from viruses or other harmful components, or that every error or defect will be corrected.

Nothing in this section excludes warranties or protections that cannot lawfully be excluded.

18. Limitation of Liability

To the fullest extent permitted by applicable law, Community Wholesale Lending and its officers, directors, employees, representatives, affiliates, agents, service providers, and licensors will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your access to, use of, or inability to use the website or its content.

Nothing in these Terms limits or excludes liability where such limitation or exclusion is prohibited by applicable law.

19. Indemnification

To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Community Wholesale Lending and its officers, directors, employees, representatives, affiliates, and agents from claims, liabilities, damages, losses, costs, or expenses arising from your unlawful or unauthorized use of the website, your violation of these Terms, or your infringement of the rights of another person or entity.

This provision does not apply to the extent prohibited by applicable law.

20. Regulatory and Licensing Information

Community Wholesale Lending conducts mortgage-related activities subject to applicable federal and state licensing and regulatory requirements.

Availability of products and services may vary by jurisdiction. Nothing on this website should be interpreted as an offer or solicitation for a mortgage product or service in a jurisdiction where Community Wholesale Lending is not appropriately licensed or otherwise authorized to conduct such activity.

Community Wholesale Lending
NMLS ID #362312

Licensing information may be verified through the NMLS Consumer Access system at www.nmlsconsumeraccess.org.

Additional state-specific licensing information and disclosures may be provided elsewhere on the website as applicable.

21. Equal Housing Opportunity

Community Wholesale Lending supports equal housing opportunity and conducts its mortgage lending activities in accordance with applicable fair lending and housing laws.

Nothing on this website is intended to discourage or discriminate against any applicant or prospective applicant on a prohibited basis.

Equal Housing Opportunity

22. Governing Law

Except where otherwise required by applicable law or provided in a separate written agreement governing a particular transaction, these Terms and your use of the website will be governed by the laws of the State of California, without regard to conflict-of-law principles.

Any rights or remedies available to consumers under applicable federal or state law are not waived by this provision.

23. Severability

If any provision of these Terms is determined by a court or other authority of competent jurisdiction to be invalid, unlawful, or unenforceable, the remaining provisions will remain in full force and effect to the extent permitted by law.

24. No Waiver

A failure by Community Wholesale Lending to enforce any provision of these Terms does not constitute a waiver of that provision or of our right to enforce it later.

25. Entire Agreement Regarding Website Use

These Terms, together with our Privacy Policy and any additional terms expressly applicable to a particular website feature or service, constitute the agreement between you and Community Wholesale Lending regarding use of this website.

These Terms do not replace or modify any separate agreement, disclosure, loan document, broker agreement, or other contract governing a specific mortgage transaction or business relationship.

If a separate written agreement applies to a particular transaction or service, that agreement will govern the applicable transaction or service to the extent of any conflict.

26. Changes to These Terms

Community Wholesale Lending may update these Terms from time to time to reflect changes to our website, services, business practices, or applicable requirements.

When changes are made, the revised Terms will be posted on this page and the "Last Updated" date will be updated.

Your continued use of the website after revised Terms become effective constitutes your acceptance of the revised Terms to the extent permitted by applicable law.

27. Contact Information

Questions regarding these Terms & Conditions may be directed to:

Community Wholesale Lending
8270 Aspen Street
Rancho Cucamonga, CA 91730

Phone: 888.475.4005
Email: info@cwlend.com
NMLS ID #362312

For information regarding our privacy practices, please review our Privacy Policy.