Terms of Service

Welcome to Tucson Down Payment Assistance ("tucsondownpaymentassistance.com," "we," "us," or "our"), operated by the Cook Brothers Mortgage Team at 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 to these terms, please do not use our website or services.

Description of Services

Tucson Down Payment Assistance provides educational information about down payment assistance programs available in Arizona, including programs administered by the Arizona Department of Housing and Community Affairs (Arizona Housing) and the Arizona State Affordable Housing Corporation (Arizona IDA). Our website offers:

• Information about Arizona DPA programs, eligibility requirements, and benefits
• A qualifier quiz to help assess potential program eligibility
• A DPA calculator for educational estimates
• Educational blog content about home buying and DPA programs
• Contact forms to connect with licensed mortgage loan originators

Not a Loan Offer or Commitment

Important: The information provided 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 DPA program
• A guarantee of specific interest rates, loan terms, or DPA amounts
• Financial, legal, or tax advice

All mortgage loans are subject to credit approval, property appraisal, and underwriting requirements. Actual loan terms, rates, and DPA amounts will be determined based on your individual financial profile, creditworthiness, and program availability at the time of application.

Eligibility and Qualification

The qualifier quiz and DPA calculator on our website provide estimates based on general program guidelines and the information you provide. These tools are for educational purposes only and do not guarantee eligibility for any program. Actual eligibility is determined by the administering agency (Arizona Housing or Arizona IDA) and is subject to:

• Income limits (which vary by county and household size)
• Purchase price limits
• Credit score requirements
• First-time homebuyer status requirements
• Homebuyer education completion
• Program funding availability
• Other program-specific criteria

No Agency Affiliation

Tucson Down Payment Assistance (tucsondownpaymentassistance.com) and Cornerstone First Mortgage, LLC are not affiliated with, endorsed by, or sponsored by the Arizona Department of Housing and Community Affairs (Arizona Housing), the Arizona State Affordable Housing Corporation (Arizona IDA), or any other state or federal government agency. While Cornerstone First Mortgage is an approved participating lender in Arizona Housing and Arizona IDA programs, this participation does not constitute an endorsement or affiliation with these agencies.

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 attempt to 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

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 on this website without prior written consent.

Third-Party Links

Our website may contain links to third-party websites, including government agencies (Arizona Housing, Arizona IDA, NMLS), scheduling platforms (Calendly, Cal.com), and other external resources. We provide these links for your convenience and reference only. We 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, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties that the website will be uninterrupted, secure, or error-free
• Warranties regarding the accuracy, reliability, or completeness of any information

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
• Any errors or omissions in website content
• Any unauthorized access to or use of our servers or your personal information
• Any decisions made based on information provided on the website
• Denial of eligibility for any DPA program
• Changes to program terms, availability, or funding

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.

Communications Consent

By submitting your contact information through our website forms or qualifier quiz, you consent to receive communications from the Cook Brothers Mortgage Team at Cornerstone First Mortgage, LLC, including:

• Phone calls and voicemails regarding your inquiry
• Emails about DPA programs and mortgage services
• Text messages (if you provide mobile phone consent)

You may opt out of marketing communications at any time by contacting us or using the unsubscribe link in any email. Opting out of marketing communications will not affect transactional communications related to any active loan application.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Arizona, and you hereby consent to the personal jurisdiction and venue of such courts.

Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes constitutes your acceptance of the modified terms. We encourage you to review these Terms periodically for updates.

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: