Cedar States Lending
Mortgage Disclaimers
Effective date: September 24, 2026
These disclosures apply to information, advertising, communications, and loan-related content provided through this website. They are intended to supplement, not replace, the disclosures and documents provided during the application and closing process.
General Information
The information on this website is provided for general informational and educational purposes only. It is not an offer to lend, a commitment to lend, a guarantee of approval, or a promise of a specific rate, term, payment, or loan result.
Loan Programs and Eligibility
Loan programs, products, rates, terms, fees, down payment requirements, mortgage insurance requirements, and qualification standards are subject to change and may vary by borrower, property, occupancy, loan amount, credit profile, income, assets, and other factors. All loans are subject to credit approval, underwriting, appraisal, title review, program guidelines, and property eligibility.
Rates, Payments, and Examples
Any rate, payment, APR, term, savings amount, or other example shown or discussed is illustrative only unless expressly identified as a current offer with all required terms and disclosures. Rates and terms are not guaranteed and may change without notice. Your actual rate, payment, costs, and terms may differ. Please review the official Loan Estimate and Closing Disclosure for transaction-specific information.
Refinancing Disclosure
By refinancing an existing loan, total finance charges may be higher over the life of the loan. Refinancing may also extend the loan term, change the interest rate or payment, and involve closing costs, prepaid items, or other fees. Compare the costs and benefits of refinancing carefully.
Government Loan Programs
FHA, VA, and other government-related loan programs are subject to agency rules and eligibility requirements. VA loans are subject to eligibility requirements established by the Department of Veterans Affairs. FHA loans are insured by the Federal Housing Administration. Cedar States Lending, LLC is not a government agency.
Application and Communications
Submitting an inquiry or application does not obligate you to proceed and does not guarantee approval. By providing contact information, you may consent to be contacted by Cedar States Lending, LLC and its representatives by phone, text message, email, or other methods regarding your inquiry or application. Message and data rates may apply. Consent is not required as a condition of purchasing goods or services, and you may opt out of marketing messages at any time. Standard customer-service and transaction-related communications may still be sent as permitted by law.
Equal Housing Opportunity
Cedar States Lending, LLC is an Equal Housing Opportunity company. We do not discriminate on the basis prohibited by applicable federal, state, or local law. Lending decisions are based on creditworthiness, financial qualifications, property characteristics, applicable program requirements, and other lawful factors.
Licensing and Regulatory Information
Cedar States Lending, LLC · NMLS ID 2257151. Mortgage lending and brokering services are subject to applicable licensing and regulatory requirements. Availability of products and services may vary by state. For licensing information, visit the NMLS Consumer Access website at nmlsconsumeraccess.org.
Contact Us
Questions about these disclosures may be directed to Cedar States Lending, LLC at (480) 803-6700 or 4760 E Baseline Rd, Apartment 3020, Mesa, AZ 85206.
This page is not legal advice and cannot guarantee compliance with every federal, state, local, agency, or investor requirement. Mortgage advertising and disclosure requirements may depend on the specific communication, product, audience, jurisdiction, and current law. Have these disclosures reviewed by qualified mortgage compliance and legal counsel before relying on or publishing them.