Peak Home Loans - terms of service
terms of service, (sometimes referred to as the "Websites"), is offered conditionally on your acceptance without modification of the terms, conditions, and notices contained in this "Terms of Service" section (the "Agreement").  Your use of the Website constitutes your agreement to all such terms, conditions and notices.  The Company may change the "Terms of Service" section from time to time.  By continuing to use the Website following such modifications, you agree to be bound by such modifications to the Terms of Service.  You can feel safe that the information you are transmitting is secure.

Licensing Disclosure:

The FTC (Federal Trade Commission)  regularly monitors this website for privacy, accuracy, reliability & honesty.  We are rated A+, "Highest", by the Better Business Bureau.  We provide Toll-Free Customer Service, 1-844-200-PEAK (7325), Mon. To Fri. 11am - 6pm EST.

  • Licensed by the Nationwide Multistate Licensing System (NMLS) under the Consumer Financial Protection Bureau's SAFE Act, Regulation G; Robert Pinzhoffer, NMLS ID: 1226132, Residential Mortgage Loan Originator; Peak Home Loans, NMLS ID: 1240303, Residential Mortgage Loan Company, 360 Central Ave, 8th  Floor, St. Petersburg, FL 33701.

  • Licensed by the CA Department of Business Oversight under the California Residential Mortgage Lending Act; Robert Pinzhoffer, CA-DBO1226132, Residential Mortgage Loan Originator; Peak Home Loans, 60-DBO64770, Residential Mortgage Loan Company, 360 Central Ave, 8th  Floor, St. Petersburg, FL 33701.

  • Licensed by the FL Office of Financial Regulations under the Florida Mortgage Licensing Act; Robert Pinzhoffer, LO26733, Residential Mortgage Loan Originator; Peak Home Loans, MBR1662, Residential Mortgage Loan Company, 360 Central Ave, 8th  Floor, St. Petersburg, FL 33701.

  • Licensed by the PA Department of Banking and Securities under the Pennsylvania Mortgage Licensing Act; Robert Pinzhoffer, LO26733, Residential Mortgage Loan Originator; Peak Home Loans, 60576, Residential Mortgage Loan Company, 360 Central Ave, 8th Floor, St. Petersburg, FL 33701; PA Branch, NMLS ID: 1696619, 2139 Hulmeville Rd., Bensalem, Pennsylvania 19020.

  • Licensed by the TX Department of Savings and Mortgage Lending under the Texas Mortgage Licensing Act; Robert Pinzhoffer, 1226132, Residential Mortgage Loan Originator; Peak Home Loans, 1762329, Residential Mortgage Loan Company, 360 Central Ave, 8th  Floor, St. Petersburg, FL 33701; TX Branch, NMLS ID: 1762329, 1701 Upland Dr, Ste. 282, Houston, TX 77043.

Not licensed at this time, we forward to non-affiliated state licensed lenders:  Alaska, Connecticut, Delaware, District of Columbia, Hawaii, Idaho, Louisiana, Maine, Maryland, Massachusetts, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Oregon, Rhode Island, South Carolina, South Dakota, Utah, Vermont, Virginia, Washington, West Virginia, Wyoming, Alabama, Arizona, Arkansas, Colorado, Georgia, Illinois, Indiana-DFI, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, New Mexico, Ohio, Oklahoma, Tennessee & Wisconsin.

Description of the Service Offered is a computerized program which provides a mechanism pursuant to which consumers can obtain information regarding lenders and mortgage brokers, as well as apply for and receive loans based upon lender or mortgage broker's borrowing criteria. is a nationwide Direct Lender and makes loans in the above-referenced states, but does not make credit decisions in connection with loans.

Peak Home Loans is an NMLS listed mortgage company, unique number 1240303.  To learn more, kindly visit the NMLS consumer accessible website.  Forwarding your information form to a participating lender or mortgage broker in a state we are not licensed does not constitute a referral. Information contained on the Website is provided for general informational purposes.  You may choose to use or not to use the information contained on the Website. does not recommend, refer, advise, or prefer individuals to use any particular company.  In all cases, you should make your own judgments as to which service providers to use.  The lender or mortgage broker is solely responsible for its services to you, and you agree that the Company shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of any lender or mortgage broker's services.

The information form you submit is not an application for credit or a loan.  It is a request for lender or mortgage broker information.  You will have to complete an application with a lender or mortgage broker before they will extend a loan offer to you.  The Company does not guarantee that the loan terms or rates offered and made available by participating lenders or mortgage brokers will be the lowest rates available in the marker or will have the best terms.  Nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement.

The Company does not charge the User any fees for its services.  The Company receives its compensation from advertisers on the Website and from lenders and mortgage brokers for goods, services and/or facilities actually provided by the Company. The Company's compensation from lenders and mortgage brokers varies according to quantity and filtering requirements.

Your information form may be forwarded to up to three lenders or mortgage brokers, who will make certain disclosures to you.  However, Company (and its participating lenders and mortgage brokers) does not guaranty that any lender or mortgage broker will contact you.  Whether a lender or mortgage broker contacts you is based upon a neutral filtering process administered by and the decision of the participating lender or mortgage broker.

User promises that all of the information User has provided on its information form is true and complete.  User authorizes the Company to forward User's information to its network of participating lenders and mortgage brokers.  User understands that these persons may keep User's information, whether or not User completes a real estate transaction with them or not.

Nothing in the Website constitutes an offer, promise or otherwise, either to make a specific loan or that any participating lender or mortgage broker will make any loan for any purpose or on any specific terms.  All loan related decisions are made by the participating lender or mortgage broker in the course of its normal business operations, and any applicable loan offerings are made to qualified applicants in separate loan and related documents which are required by applicable state and federal laws of the United States of America. Loans may only be made to residents of states where participating lenders or mortgage brokers are licensed and/or authorized to make such loans.  By acquiring your information through the Website, participating lenders and mortgage brokers are not attempting to make loans outside their authorized states or country.

The Company reserves the right to change any information on the Website, including but not limited to, revising and/or deleting loan products or loan related information as offered by participating lenders or mortgage brokers without prior notice.  The Company further reserves the right to discontinue the offering of loan products or loan related information in any specific state.

Warranties and Limitation of Liability.
You acknowledge and agree that you must: (a) provide for your own access to the World Wide Web and pay any service fees associated with such access, and (b) provide all equipment necessary for you to make such connection to the World Wide Web, including a computer and modem.  By using the Website, including any applets, software, and content contained therein, you agree that use of the Website is entirely at your own risk.

Proprietary Rights.
The Company is the owner and/or authorized user of any trademark, registered trademark and/or service mark appearing on the Website, and is the copyright owner or licensee of the content and/or information on the Website including but not limited to any screens appearing on the Website.  You may not download and/or save a copy of any of the screens except as otherwise provided in this Agreement, for any purpose.  However, you may print a copy of the information on the Website for your personal use or records.  f you make other use of the Website, except as otherwise provided above, you may violate copyright and other laws of the United States and other countries, as well as applicable state laws and you may be subject to penalties.  The Company does not grant any license or other authorization to any User of its trademarks, registered trademarks, service marks, or other copyrightable material or other intellectual property, by placing them on the Website.

Links from and to this Website.
You acknowledge and agree that the Company has no responsibility for the accuracy or availability of information provided by linked sites.  Links to external websites don't constitute an endorsement by the Company of the sponsors of such websites or the content, products, advertising or other materials presented on such sites.

Information in the web pages that are linked to the Website comes from a variety of sources. Some of this information comes from official Company licensees, but much of it comes from unofficial or unaffiliated organizations and individuals, both internal and external to the Company.  The Company does not author, edit, or monitor any of these pages or links.  You acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on such external websites or resources.

Compliance with Laws and Regulations.
Your access to and use of the Website are subject to all applicable federal, state, local, and international laws and regulations.

Except as may otherwise be required by law, the Company adheres to the "Privacy Policy" posted on the Website. You should be aware, however, that a linked website may contain privacy policies that differ from the Company's policy. Neither the Company nor its stockholders, directors, employees, agents, successors, assigns or affiliates are responsible for any of those other websites' provisions and expressly disclaim any liability related to such policies.  Please see our Privacy Policy.

Unauthorized Links.
The Company prohibits unauthorized hypertext links to the Website or the framing of any content available through the Website.  The Company reserves the right to disable any unauthorized links or frames.

Use of "Cookies."
For your security, the Company does NOT use cookies.

Violations of Terms of Use.
The Company reserves the right to seek all remedies available for violation of the Agreement, including the right to block access from a particular Internet address to the Website.

User agrees to indemnify and hold harmless the Company and its stockholders, directors, employees, agents, successors, assigns and affiliates from and against (and will pay upon demand each such person the amount of) any and all third-party claims, demands, losses, liability, damages, or expenses (including reasonable attorney's fees) resulting from, arising out of, relating to or caused by any breach by User of any covenant or other agreement of User contained in this Agreement or any breach by User of any representation or warranty of User contained in this Agreement.  In connection with any action or proceeding that may give rise to an obligation of User to indemnify a person as set forth above, the Company shall have the exclusive right, at its option, to defend, compromise and/or settle the action or proceeding, and the User shall be bound by the determination of any action or proceeding so defended or any compromise or settlement so effected.  The remedies provided in this section are not exclusive of and don't limit any other remedies that may be available to the Company or any other party to be indemnified pursuant to this section.

Applicable Law; Forum.
All questions concerning the construction, validity, and interpretation of this Agreement and the performance of the obligations imposed by this Agreement shall be governed by the internal law, not the law of conflicts, of the State of Florida.  Any suit, action or proceeding against either the Company or User with regard or related to this Agreement, the rights and obligations of the User or the Company under this Agreement, the Website, the use of the Website and/or the services that the Website provides shall be brought in the United States District Court for the District of Florida - Southwest Division, located in Tampa, Florida or, if federal jurisdiction is not available, in the appropriate court of the State of Florida that is located in Tampa, Florida.  The User and the Company hereby irrevocably consent to the jurisdiction of the aforementioned courts. In addition, and notwithstanding the foregoing, the User irrevocably waives, to the fullest extent permitted by law, any objection that it may now or hereafter have to the laying of the venue of any such suit, action or proceeding brought in any such court and any claim that any such suit, action or proceeding brought in any such court has been brought in an inconvenient forum.  Final judgment in any such suit, action or proceeding brought in any such court shall be conclusive and binding upon User and may be enforced in any court in which User is subject to jurisdiction by a suit upon such judgment.

Other Terms:

Severability. If any provision of this Agreement shall be held to be invalid or unenforceable for any reason, the remaining provisions shall continue to be valid and enforceable.   If a court finds that any provision of this Agreement is invalid or unenforceable, but that by limiting such provision it would become valid and enforceable, then such provision shall be deemed to be written, construed and enforced as so limited.

Waiver of Contractual Right. The failure of the Company to enforce any provision of this Agreement shall not be construed as a waiver or limitation of the Company's right to subsequently enforce and compel strict compliance with that provision or any other provision of this Agreement.


  • The best rate is currently 4.50% for qualified consumers2.  A $100,000.00 loan for about $435.21 per month is for an initial 5-year term of 4.50% = 3.52% APR amortized over 360 months.  The rate may increase or decrease after the initial 5-year term, and payments may be higher in subsequent years.  If the interest rate adjusted to the maximum rate after the fifth year, the monthly payment at that time would be approximately $552.20.  The maximum monthly payment could be as high as $828.68/mo.

  • 4 out of 5 applicants approved / qualify refers to customers who have passed an initial credit review - typically having a middle FICO score of 740 or better, no foreclosures, no bankruptcies, no 30-day or more late payments, DTI less than 43% and an initial down payment of 20%.

  • The rate of 4.50% = 3.52% APR is a real loan, this is not a bait-&-switch or come on.  4.50% = 3.52% APR assuming the initial interest rate is fixed for 5 years. The disclosed APR is based on two point seven five (2.75) origination points, 0 discount points, plus an estimated $500.00 in prepaid finance charges due at closing.  The total closing costs for a $100,000.00 loan would be $3.250.00.  The closing costs can be added into your new loan and you would pay NO ($0.00) closing costs (except for the down payment if purchasing).  These are among the lowest closing fees in the industry.

  • Your break-even point for refinancing from 6.00% for this loan would be approximately twenty-two (22) months.  Over the first 5 years, your monthly savings would be approximately $194.00 per month, and your total savings would be approximately $11,640.00.

Parties in Interest. This Agreement shall be binding upon, inure to the benefit of, and be enforceable by the parties to this Agreement and their respective successors, heirs, legatees, personal representatives and permitted assigns.  No assignment, delegation or other conveyance of this Agreement or of any rights or obligations hereunder may be made by User (by operation of law or otherwise) without the prior written consent of the Company.  The Company may assign its rights and obligations under this Agreement to any other party.

Headings. The headings and other captions in this Agreement are for convenience and reference only and shall not be used in interpreting, construing or enforcing any of the provisions of this Agreement.  Common nouns and pronouns will be deemed to refer to the masculine, feminine, neuter, singular, and plural, as the context may require.

Entire Agreement. This Agreement constitutes the entire agreement between the User and the Company and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and the Company with respect to the Website, the use of the Website and/or the services that the Website provides.  A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Mortgage Refinance @ 4.50% - 100k is $506/mo.

Thank you,
Peak Home Loans

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