Effective date: October 19, 2026
1. Acceptance of These Terms
These Terms of Use govern your use of gflcapital.com and any related pages, tools, and online services (the “Site”), operated by GFL Capital Mortgage (“GFL Capital Mortgage,” “we,” “us,” or “our”). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
GFL Capital Mortgage is a licensed mortgage company, NMLS Unique Identifier No. 64367, headquartered at 1100 Corporate Way, Suite 210, Sacramento, California 95831. We are licensed or registered to originate residential mortgage loans only in the states listed on our Licensing and Compliance page. You can verify our licensing at NMLS Consumer Access. Nothing on this Site is an offer to make or arrange a loan in any state where we are not licensed.
The Site is intended for individuals 18 years of age or older who are residents of the United States.
2. No Commitment to Lend; Rates and Calculators
Not a loan commitment. Information on this Site is not an offer to lend, a loan approval, a rate lock, or a commitment to make a loan. All loans are subject to credit approval, underwriting guidelines, property appraisal, verification of income and assets, and other conditions. Not all applicants will qualify, and not all loan programs are available in every state.
Rates and terms change. Any interest rates, annual percentage rates (APRs), fees, or loan terms shown or discussed on the Site are for illustration only. They are based on assumptions that may not match your situation and can change daily or without notice. Your actual rate and terms will depend on factors including your credit profile, loan amount, down payment, property type, occupancy, and market conditions at the time of lock. The terms that apply to your loan are the ones in your Loan Estimate, Closing Disclosure, and loan documents.
Calculators are estimates. The mortgage payment, refinance savings, and debt-to-income calculators on the Site are educational tools. Their results depend entirely on the figures you enter and on simplified assumptions. They do not include every cost (for example, mortgage insurance, HOA dues, or closing costs may be excluded) and are not a quote or a prediction of what you will qualify for.
Closing timelines. Any reference to closing times, including closing in 14 days or less, describes a goal for typical files and is not a guarantee. Timelines depend on your responsiveness, third parties such as appraisers and title companies, and the loan program.
Not financial, legal, or tax advice. Content on the Site is general information. It is not personalized financial, legal, tax, or investment advice. Talk with a qualified professional about your circumstances.
3. Applications, Accounts, and Communications
Third-party application portal. Loan applications started from the Site are completed through a secure portal provided by a third-party vendor (currently Floify). Your use of that portal is also subject to the vendor’s own terms and privacy policy. Information you submit there is used to evaluate and process your loan request.
Accurate information. You agree that anything you submit through the Site, the portal, or our document upload page is true, complete, and yours to share. Knowingly providing false information on a mortgage application is a federal crime.
Accounts. If you create an account, you are responsible for keeping your login credentials confidential and for all activity under your account. Tell us right away at info@gflcapital.com if you believe your account has been used without your permission. We may suspend or close accounts that are inactive or that violate these Terms.
Document uploads. Only upload documents related to your loan request. Do not send sensitive information such as Social Security numbers or account numbers by regular email or through general contact forms; use the secure document upload page or portal instead.
Electronic communications. By using the Site or contacting us online, you consent to receive communications from us electronically, including emails and notices posted in your account, and agree that these satisfy any requirement that such communications be in writing. Loan disclosures will be delivered electronically only after you give separate consent under the federal E-SIGN Act, and you may request paper copies.
Calls and texts. If you provide a phone number and give consent on a form, we may contact you about your inquiry by phone or text, which may use automated technology. Consent is not a condition of obtaining a loan. Message and data rates may apply. You can opt out at any time by replying STOP to a text or telling us you no longer wish to be contacted.
4. Use of the Site and Content
Acceptable use. You agree not to:
- Use the Site for any unlawful or fraudulent purpose, including submitting information about another person without their authorization
- Attempt to gain unauthorized access to the Site, other users’ accounts, or our systems
- Interfere with the Site’s operation, including by uploading malware or overloading our servers
- Scrape, copy, or harvest content or data from the Site by automated means without our written permission
- Impersonate GFL Capital Mortgage, our loan officers, or any other person
Our content. The Site and its content, including text, graphics, illustrations, logos, and software, are owned by or licensed to GFL Capital Mortgage and are protected by copyright and trademark law. You may view and print pages for your personal, non-commercial use. Any other use requires our written permission. Lender and partner names and logos shown on the Site belong to their respective owners and do not imply endorsement.
Reviews and testimonials. Customer reviews reflect individual experiences and are not a guarantee of the outcome, rate, or timeline you will receive. If you submit a review or other content to us, you grant us a non-exclusive, royalty-free right to use, display, and edit it for length in connection with our business.
Links to other sites. The Site may link to third-party websites, including government resources, lender partners, and our application portal. We do not control those sites and are not responsible for their content, security, or privacy practices.
5. Privacy, Disclaimers, and Liability
Privacy. Our collection and use of personal information is described in our Privacy Policy, which is part of these Terms. Information you provide in connection with a loan application is also handled under applicable federal and state financial privacy laws.
Security. We use reasonable safeguards to protect information submitted through the Site. No method of transmission over the internet is completely secure, and we cannot guarantee absolute security.
Disclaimer of warranties. The Site and its content are provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses.
Limitation of liability. To the fullest extent permitted by law, GFL Capital Mortgage and its officers, employees, and loan originators will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Site or its content, including reliance on calculator results or posted rates. This section does not limit any rights you have under your loan documents or under laws that cannot be waived.
Indemnification. You agree to indemnify and hold harmless GFL Capital Mortgage from claims, losses, and expenses, including reasonable attorneys’ fees, arising from your violation of these Terms or your misuse of the Site.
6. Fair Lending, Governing Law, and Contact
Equal Housing Opportunity. GFL Capital Mortgage is an Equal Housing Opportunity lender. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act and do not discriminate on any basis prohibited by law.
Accessibility. We want the Site to be usable by everyone. If you have trouble accessing any part of it, call us at (888) 557-8836 or email info@gflcapital.com and we will help you get the information you need.
State-specific disclosures. Additional disclosures required by certain states, including complaint and recovery-fund information for Texas, appear on our Licensing and Compliance page.
Governing law. These Terms are governed by the laws of the State of California and applicable federal law, without regard to conflict-of-law principles. Any dispute relating to these Terms or the Site will be brought in the state or federal courts located in Sacramento County, California, unless applicable law requires otherwise.
Changes to these Terms. We may update these Terms from time to time. The updated version will be posted on this page with a new effective date. Continued use of the Site after changes are posted means you accept the updated Terms.
Severability. If any part of these Terms is found unenforceable, the rest remains in effect.
Contact us.
GFL Capital Mortgage
1100 Corporate Way, Suite 210
Sacramento, California 95831
Phone: (888) 557-8836
Email: info@gflcapital.com
NMLS #64367