terms of service
Effective date: August 3, 2026
Services provided
cahbi provides marketing, technology, intake, workflow, document, and administrative-support tools. Licensed real estate brokerage and mortgage brokerage services are provided by John Palmer, CA DRE 01055719, NMLS ID 240187, and only under applicable signed agreements and disclosures. cahbi is not a lender, title company, escrow company, credit reporting agency, law firm, tax advisor, or financial advisor.
Platform and licensed services
cahbi is a marketing, technology, intake, workflow, and administrative-support platform. Real estate brokerage and mortgage brokerage services are provided by John Palmer, California real estate broker and mortgage loan originator, CA DRE 01055719, NMLS ID 240187. cahbi and Lonely Brew Club are not lenders, title companies, escrow companies, credit reporting agencies, law firms, tax advisors, or financial advisors.
Brand name and entity status
Use of the brand name "cahbi" is for marketing and platform identification. Unless and until counsel confirms all required fictitious business name, DBA, DRE, and NMLS filings, consumers should understand that licensed brokerage services are provided by John Palmer under his individual license information shown on this site.
Equal housing and fair lending
cahbi and John Palmer support Equal Housing Opportunity. We do business in accordance with the Fair Housing Act, the Equal Credit Opportunity Act, California fair-housing laws, and other applicable federal, state, and local laws. We do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, gender expression, marital status, familial status, source of income, national origin, ancestry, disability, age, military or veteran status, genetic information, or any other characteristic protected by law.
No legal, tax, financial, appraisal, title, or insurance advice
Information on this site is for general informational purposes only. It is not legal, tax, accounting, investment, appraisal, insurance, title, or financial advice. You should consult qualified professionals for advice specific to your situation.
No transaction or property-outcome guarantee
Use of cahbi does not guarantee mortgage approval, preapproval, loan terms, interest rates, APR, payment amount, down payment amount, closing-cost credit, acceptance of an offer, successful purchase of a property, property availability, appraisal result, title clearance, insurance availability, escrow closing, or any transaction outcome. All mortgage and real estate outcomes depend on verification, underwriting, lender/investor requirements, property eligibility, market conditions, signed agreements, and applicable law.
Preapproval and DU findings
If you qualify, John may issue a written preapproval or explain the next steps needed before a preapproval can be issued. For some conventional-loan files, the review may be supported by Fannie Mae Desktop Underwriter (DU) findings. DU findings are not final loan approval, do not guarantee loan approval, and remain subject to verification, lender/investor conditions, appraisal, title, property eligibility, and final underwriting.
No guarantee
Use of cahbi does not guarantee mortgage approval, preapproval, loan terms, interest rates, APR, payment amount, down payment amount, closing-cost credit, acceptance of an offer, successful purchase of a property, property availability, MLS access, appraisal result, title clearance, insurance availability, escrow closing, or any transaction outcome. Any preapproval, loan approval, or loan terms are subject to verification, underwriting, investor/lender requirements, appraisal, title, property eligibility, and applicable law.
Statutory carve-out
Nothing in these Terms limits, excludes, or waives any right, remedy, duty, liability, claim, notice, disclosure, fiduciary obligation, regulatory obligation, or consumer protection that cannot be limited, excluded, or waived under applicable law. Without limitation, nothing in these Terms limits obligations or rights under California real estate licensing law, DRE rules, NMLS/SAFE Act requirements, RESPA, TILA/Regulation Z, TRID, ECOA/Regulation B, FCRA/Regulation V, TCPA, CAN-SPAM, CCPA/CPRA, GLBA/Regulation P, the Fair Housing Act, California FEHA, the Unruh Civil Rights Act, Civil Code 1632, consumer contract law, privacy/security law, fiduciary duties, fraud, intentional misconduct, willful misconduct, gross negligence, or government/regulatory enforcement.
Limitation of liability
To the fullest extent permitted by applicable law, cahbi and Lonely Brew Club are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising solely from use of the technology platform. This limitation does not apply to non-waivable statutory rights, licensed brokerage duties, fiduciary duties, privacy/security obligations, fraud, willful misconduct, gross negligence, regulatory obligations, or claims that cannot be limited by law.
Contact
Questions about this page or your personal information? Reach us at hello@cahbi.com.