Terms of Use

Last updated 27 August 2026

Short, because there is not much to say. Using this site means you accept what follows.

Nothing here is an offer of credit

This site describes loan programmes and explains how they work. It is not an offer to lend, a commitment to lend, or an approval. Nothing on it creates an obligation on anyone's part. Whether you qualify, and on what terms, is decided by a lender after a formal application, verified documentation and a credit review.

The two-minute qualifier gives you an estimate from figures you type yourself. It is not an approval, it pulls no credit, and it is not a promise about anything.

Programme figures change, and this site is a snapshot

Loan limits, income limits, eligibility maps and programme rules are set by others — HUD, USDA, the VA, the agencies — and they change. Every figure on this site carries the date it was captured from its source. A figure is accurate as of that date and no later. Before you rely on one, ask us to check it.

Property eligibility is decided address by address by the agency's own map, not by any description on this site.

Not legal, tax or financial advice

We explain mortgages. We are not your lawyer, your accountant or your financial adviser, and nothing here is advice about your particular situation from any of those. For that, ask someone licensed to give it.

Links and the application window

Where we link to someone else — HUD, USDA, NMLS Consumer Access — we do not control what is on the other end and are not responsible for it. The loan application opens a window operated by ARIVE, which has its own terms and privacy policy that govern what happens there.

The content is ours

The writing, design and photography on this site belong to us or are licensed to us. You are welcome to read it, quote it with attribution, and link to it. Republishing it wholesale as your own is not permitted.

Fair housing

We are an Equal Housing Lender. We do not discriminate on the basis of race, colour, religion, national origin, sex, familial status, disability, or any other basis prohibited by law.

Limits and changes

This site is provided as it is. We work hard to make it accurate — every figure on it is sourced and dated — but we do not warrant that it is error-free or continuously available, and we are not liable for losses arising from relying on it in place of speaking to us.

We may change these terms. The date at the top records when they last changed. Idaho law governs them.

Who this policy is about

ClearPath Idaho and ClearPath Utah are part of Capital Financial Group, Inc. – NMLS #3146. Idaho Mortgage Broker/Lender License MBL-2080003146. Kelly David Sansom, Mortgage Loan Originator, NMLS #2510508, Idaho Mortgage Loan Originator License MLO-2082510508.

Questions about this page? Email hello@clearpathidaho.com or call (208) 806-1224.