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    Terms of Service

    1. Acceptance of Terms

    By accessing and using this website or the services provided by Huli Financial, powered by First Premier Mortgage Lending (NMLS# 2668389), you accept and agree to be bound by the terms and provision of this agreement.

    By using the website you agree to our use of cookies to create a better user experience and operate the website.

    2. Services Description

    Huli Financial provides mortgage lending services including but not limited to home loans, refinancing, investment property financing, and related financial consultation services. All services are provided by First Premier Mortgage Lending, a licensed mortgage lender.

    3. Website Use & Disclaimer

    You are authorized to view and print information on this website for informational and non-commercial purposes only. The information contained in this website is believed to be reliable, but we do not warrant its completeness, timeliness or accuracy. The information on this website is not intended as an offer or solicitation for any mortgage product or any financial instrument.

    The information and materials contained in this website - and the terms and conditions of the access to and use of such information and materials - are subject to change without notice. Products and services described may differ among geographic locations, offices and as a result of individual conditions. Not all products and services are offered at all locations.

    In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website. Please use this document and information at your own risk.

    For information not specifically related to mortgages, confirm all information with a third party if there is any doubt and do not rely on it for any financial or legal purpose.

    No content we provide constitutes legal/financial advice, and mortgage rates, terms, underwriting decisions, etc., are subject to change or approval without notice.

    We make no warranty that the information we provide on this website, by email, verbally or otherwise is error-free. You agree to hold Huli Financial, its owners, relatives, marketing assistants, contractors and other affiliates harmless for your use of such information, regardless of any damages, losses or harm that may result.

    4. Copyright & Intellectual Property

    The content of this site is copyrighted and therefore any unauthorized use of any materials on this website may violate copyright, trademark, and other laws. Materials on this website may not be modified, reproduced, or publicly displayed, distributed or performed for any public or commercial purposes prior to our approval.

    5. Non-Affiliation Disclaimer

    These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved by any government agency. They are independent of any government agency. We are not in any way affiliated with any organization listed or referenced within this website, including HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials are not an endorsement of the Sender or any of its employees or business partners.

    6. Loan Application Process

    All loan applications are subject to approval based on creditworthiness, income verification, property appraisal, and other standard lending criteria. Submission of an application does not guarantee approval or any specific loan terms.

    All loans are subject to credit approval. Interest rates are subject to change daily and without notice. Current interest rates shown are indicative of market conditions and individual qualifications and will vary upon your lock-in period, loan type, credit score, purpose and loan to value.

    7. Privacy Policy

    Customer service is very important to all of us. As we continue to improve and expand our services, we recognize our customers' need and desire to preserve their privacy and confidentiality. Safeguarding our customers' privacy is also very important to us. We have adopted standards that help maintain and preserve the confidentiality of customers' nonpublic personal information. All data collected during the loan application process is handled in accordance with applicable federal and state privacy laws, including the Gramm-Leach-Bliley Act (GLBA).

    Information We Collect

    We gather nonpublic personal information about our customers as may be necessary to conduct business with our customers. We collect nonpublic personal information about you from the following sources:

    • Information we receive from you on applications or other forms, over the telephone or in face-to-face meetings, and via the Internet. Examples include your name, address, telephone number, social security number, credit history and other financial information.
    • Information about your transactions with us or others. Examples include payment histories, account balances and account activity.
    • Information we receive from a consumer reporting agency. Examples include your credit score, credit reports and other information relating to your creditworthiness.
    • From employers and others to verify information you have given to us. Examples include verifications of employment, income or deposits.

    Information We Disclose

    Your personal information will only be retained for the purpose of providing you with our response to your query and will not be made available to any third party except as necessary to be disclosed to any related entity for the purpose intended or as required to be disclosed under law.

    By submitting data on our website, the visitor is providing explicit consent to transmission of data collected on the website. We treat data as confidential within our firm and require a strict adherence of all our employees to data protection and our confidentiality policies.

    All visitors, however, should be aware that our website may contain links to other sites that are not governed by this or any other privacy statement.

    8. Equal Housing Opportunity

    Huli Financial and First Premier Mortgage Lending are Equal Housing Opportunity lenders. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.

    9. Professional Advice

    It is our intention that data provided on a subject is of a general nature. Our website does not represent an exhaustive treatment of subjects nor is the information intended to constitute accounting, tax, legal, consulting or other professional advice. Prior to making any decision or taking any action we kindly request you to contact your tax or legal advisors.

    10. Fees and Costs

    Mortgage loans may involve various fees including but not limited to origination fees, appraisal fees, title fees, and closing costs. All fees will be disclosed in accordance with federal Truth in Lending Act (TILA) requirements.

    11. Consumer Complaints

    It is the policy of our company to respond to customer complaints, disputes and issues immediately, to take each complaint seriously, to investigate each complaint however small it is – immediately and to take remedial actions swiftly.

    As soon as a complaint is received, it is documented and is logged into a special log. The complaint is sent directly to the Customer Complaint Officer or his designate, in order to take action. All complaints and records of complaints are kept in a special complaints binder along with all the Customer Complaint Officer's Quality Control Files and other written policies so employees can easily access them and use them to provide better customer service.

    Reports on complaints are reviewed during the Customer Complaint Officer's meetings with our Board. We are focused on providing financial products and services to all customers in compliance with all Federal and State regulatory policies including but not limited to consumer protection, fair lending and civil rights laws.

    12. Accessibility

    Huli Financial strives to ensure that its services are accessible to people with disabilities. Huli Financial has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.

    Accessibility on Huli Financial Website

    Huli Financial makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server. The software allows hulifinancial.com to improve its compliance with the Web Content Accessibility Guidelines (WCAG 2.1).

    Enabling the Accessibility Menu

    Huli Financial accessibility menu can be enabled by clicking the accessibility menu icon that appears on the corner on the page. After triggering the accessibility menu, please wait a moment for the accessibility menu to load in its entirety.

    Disclaimer

    Huli Financial continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible and unhindered use also for those of us with disabilities. Despite our efforts to make all pages and content on Huli Financial website fully accessible, some content may not have yet been fully adapted to the strictest accessibility standards. This may be a result of not having found or identified the most appropriate technological solution.

    Here For You

    If you are experiencing difficulty with any content on Huli Financial website or require assistance with any part of our site, please contact us during normal business hours as detailed below and we will be happy to assist.

    13. Governing Law

    You agree that this agreement is under Florida law, and will be adjudicated in the court of competent jurisdiction in or as close to Collier County, FL as possible.

    14. Changes to Terms

    We reserve the right to change these terms or our business offerings at any time without advance notice. Changes will be effective immediately upon posting to this page. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

    15. Contact Information

    For questions about these Terms of Service, our lending services, or to report an accessibility issue, please contact us:

    Last Updated: 1/15/2026

    First Premier Mortgage Lending | NMLS# 2668389