Terms of Use

Effective September 28, 2026

These terms apply when you use the Hawaii Mortgage Toolkit. By using the site, you agree to them. If you don’t agree, please don’t use the site.

Who operates this site

This site is Keri Shepherd’s toolkit. Keri is Regional Sales Manager at CMG Mortgage, Inc. dba CMG Home Loans (NMLS #1820) and a licensed mortgage loan originator (NMLS #350844). Her branch is at 500 Ala Moana Blvd., Suite 5-325, Honolulu, HI 96813 (Branch NMLS #2475890). In these terms, “we,” “us” and “our” mean Keri and her team at CMG Home Loans.

SBREAD, the web studio that built and runs this site for Keri, hosts and maintains it as Keri’s service provider. SBREAD is not a lender, mortgage broker or loan originator. It does not take loan applications, make credit decisions, or give mortgage advice.

Not a government website

Not a government website. Not affiliated with or endorsed by HUD, FHA, VA, USDA, Fannie Mae, or Freddie Mac. We name those agencies and programs only to describe loan options and public data sources.

Estimates are not offers

Estimate of principal and interest only. Property taxes, insurance, HOA dues, and mortgage insurance are not included. The interest rate is one you entered; it is not a rate quote, an offer of credit, or a rate lock, and an annual percentage rate (APR) is not calculated. Not a loan approval or a commitment to lend.

A condo project review is not a loan approval or a commitment to lend. Final eligibility is determined in underwriting. All loans are subject to credit approval, underwriting, property and project eligibility, and program guidelines. Sending a request through this site is not a loan application.

Licensing, and no offer where we are not licensed

Keri Shepherd and CMG Home Loans are licensed through the Nationwide Multistate Licensing System (NMLS). You can see the states where Keri is licensed on her NMLS Consumer Access record. Nothing on this site is an offer to lend, or a solicitation to lend, in any state where Keri or CMG is not licensed. See Licensing and disclosures for more.

Third-party data

Some information on this site comes from others, including public condo approval data from HUD and VA, and ZIP code data from GeoNames (CC BY 4.0) and the U.S. Census Bureau. It is provided “as is.” It may be incomplete or out of date, and a condo project’s approval status can change at any time. Fannie Mae and Freddie Mac do not publish project eligibility, so any view we give on conventional financing is our team’s own assessment, not an agency decision. Always verify eligibility with your lender before relying on it.

No professional advice

The site is for general information. It is not legal, tax, accounting, financial or real estate advice. Talk with a qualified professional about your own situation.

Acceptable use

When you use the site, you agree not to:

• upload or enter Social Security numbers, bank statements, pay stubs, tax returns or other sensitive financial information, whether yours or anyone else’s. Upload only association documents you are allowed to share;
• upload files that contain viruses, macros, or other harmful code;
• scrape, crawl or copy the site or its data with bots or other automated tools;
• get around the spam check, overload the site, or try to access anything that isn’t meant to be public;
• submit false information or pretend to be someone else; or
• use the site for anything unlawful.

We may block access or ignore submissions that break these rules.

Uploading documents

The document upload is for condo association documents for the project you name, as PDF, JPG, PNG, HEIC, TIFF, or WEBP files. When you upload documents, you confirm that:

• you have the right to share them with us, and sharing them doesn’t break any agreement or law;
• they contain no Social Security numbers, bank or account numbers, or income documents, beyond what association documents normally include; and
• they contain no viruses or other harmful code.

We use the documents only to review whether the project is eligible for financing. Uploading them is not a loan application, and a review is not a loan approval. We may refuse or delete any file, including anything we didn’t ask for, and ask you to send it through CMG’s secure document upload instead. This site is not a storage service: files are deleted after 90 days, so keep your own copies.

If you upload documents as a real estate professional or for a business, you agree to cover any losses, claims or costs that result from your uploading documents you were not allowed to share, or files that contain harmful code.

Calls, texts and emails

Some forms include an optional box to agree to calls and texts. You don’t have to check it to use the site or to get a loan. If you do, this is what you agree to:

“Optional: I agree that CMG Mortgage, Inc. dba CMG Home Loans (NMLS #1820) and its loan officer Keri Shepherd (NMLS #350844) may call and text me at the number I entered about this request and about mortgage products and services, including with an automatic telephone dialing system or a prerecorded voice. I am not required to agree to buy any property, goods, or services. Message frequency varies. Message and data rates may apply. Reply STOP to cancel texts or HELP for help. I can revoke consent at any time.”

• Message frequency varies.
• Message and data rates may apply.
• Reply STOP to any text to stop texts. Reply HELP for help, or contact us using the details below.
• You can withdraw your consent any reasonable way, for example by telling us on a call or emailing theshepherdgroup@cmghomeloans.com.

Every marketing email we send has an unsubscribe link. You can also unsubscribe at our unsubscribe page. See our Privacy Policy for how we handle your information.

Links to other sites

The site links to pages we don’t control, such as CMG Home Loans’ application and document-upload pages, NMLS Consumer Access, HUD and VA. Those sites have their own terms and privacy policies. CMG’s pages are covered by CMG’s Terms of Use.

Intellectual property

The site’s text, design and tools are protected by copyright and other laws. You may view, print and share pages for your own home purchase or real estate work. Please don’t copy the tools or republish the content without permission. Third-party data remains subject to its own license.

Disclaimer of warranties

To the extent permitted by law, the site and everything on it are provided “as is” and “as available,” without warranties of any kind, express or implied. That includes warranties of accuracy, completeness, merchantability and fitness for a particular purpose. We don’t promise the site will always be available or error-free, or that information sent through it will never be accessed without permission. This applies to Keri, her team, CMG Home Loans and SBREAD.

Limitation of liability

To the extent permitted by law, neither Keri Shepherd, her team, CMG Home Loans, nor SBREAD will be liable for any indirect, incidental, special or consequential damages arising from your use of the site, its estimates, its third-party data, or information or files you send through it. To the same extent, their total liability for any claim about the site is limited to $100. Some states do not allow these limits, so they may not apply to you.

Nothing in these terms waives or limits any right you have under law that cannot be waived, including your rights under federal lending and consumer-protection laws such as the Truth in Lending Act, the Real Estate Settlement Procedures Act and the Equal Credit Opportunity Act, and under Hawaii’s consumer-protection law (HRS chapter 480).

Governing law

These terms are governed by the laws of the State of Hawaii and applicable federal law, without regard to conflict-of-law rules.

Changes to these terms

We may update these terms. When we do, we will post the new version here and update the effective date at the top. Changes apply from that date. If you keep using the site after a change, you accept the updated terms.

Severability

If any part of these terms is found unenforceable, that part will be limited as little as needed, and the rest of the terms stay in effect.

Contact

Email theshepherdgroup@cmghomeloans.com, call (808) 223-4118, or write to Keri Shepherd, CMG Home Loans, 500 Ala Moana Blvd., Suite 5-325, Honolulu, HI 96813.