Terms of Use

1. Acceptance of terms

By accessing or using caliloanpro.com, you agree to these Terms of Use. If you don't agree, please don't use the site. If we update these terms, your continued use of the site after the update means you accept the changes.

2. Who we are

This site is operated by Chris Johnson, a licensed Mortgage Loan Originator (NMLS #235072) and California real estate broker (CA DRE #01131369), operating under Affinity Mortgage (NMLS #252576). You can look up licensing details for any mortgage professional at NMLS Consumer Access.

3. Using this site

You agree to use this site only for lawful purposes. You agree not to:

• Attempt to gain unauthorized access to any part of the site or its underlying systems
• Scrape, copy, or reproduce the site's content for commercial redistribution
• Interfere with the site's normal operation, including through bots, malware, or excessive automated requests
• Submit false or misleading information through our contact or intake forms
• Impersonate Chris Johnson, Affinity Mortgage, or any other person or entity

We may restrict or terminate access to the site for anyone who violates these terms.

4. Not a loan offer or financial advice

In plain terms:

Nothing on this site is a promise to lend you money or personalized financial advice. Real loan terms come only after a full application and underwriting.

In full:

The content on this site — including loan program descriptions, rate discussion, and general guidance — is for general informational purposes only. It does not constitute a loan offer, a commitment to lend, a rate lock, or personalized financial, tax, or legal advice. Any loan is subject to full application, underwriting, credit approval, and program guidelines, which may result in different terms than what's discussed generally on this site. Please consult a qualified tax advisor, attorney, or financial professional for advice specific to your situation.

5. Calculators & estimates

The mortgage calculators on this site are self-help tools for your independent, informational use. They are not a loan application, a loan offer, or a commitment to lend. Estimates are based on the numbers you enter and general assumptions about rates, taxes, and insurance — actual figures depend on your credit, income, assets, the specific property, loan program, and current market rates at the time you apply. Always confirm real numbers directly with Chris before making financial decisions based on a calculator result.

6. Intellectual property

The content on this site — including text, graphics, logos, and design — is owned by or licensed to Chris Johnson / Affinity Mortgage and is protected by copyright and trademark law. You may view and share pages of this site for personal, non-commercial use, but you may not reproduce, republish, or repurpose the content for commercial use without written permission.

7. Third-party links & services

This site links to third-party sites and services we don't control or operate, including our loan application portal (Loanzify), scheduling tool (Calendly), review platforms (Google, Yelp), and social media (Facebook, Instagram, LinkedIn). We're not responsible for the content, accuracy, availability, or privacy practices of these third-party sites. Linking to them isn't an endorsement of everything on them, and your use of those sites is governed by their own terms and privacy policies.

8. Reviews & testimonials

Client testimonials and reviews shown on this site reflect the individual experiences of the reviewers and are not guarantees of the results you'll experience. Individual results vary based on your specific financial situation, credit, and market conditions.

9. Disclaimer of warranties

This site and its content are provided "as is" without warranties of any kind, express or implied. While we work to keep loan program details, rate information, and loan limit figures current, mortgage guidelines, rates, and loan limits change, and we don't guarantee the accuracy or completeness of any information on this site at any given time. Always confirm current details directly with Chris before relying on them.

10. Limitation of liability

To the fullest extent permitted by law, Chris Johnson and Affinity Mortgage are not liable for any indirect, incidental, or consequential damages arising from your use of this site or reliance on its content, including any calculator estimate. Nothing in these terms limits any liability that cannot be limited under applicable law.

11. Governing law

These terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Any dispute arising from your use of this site will be handled in the appropriate courts located in Santa Clara County, California.

12. Changes to these terms

We may update these Terms of Use from time to time. When we do, we'll update the "Last updated" date at the top of this page. Continued use of the site after changes are posted means you accept the updated terms.

13. Contact us