Terms of Use

Last updated: 11/13/2026

1. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provisions of this agreement.

2. Mortgage Banking & Loan Services

Richard L. Bolt is a Mortgage Loan Officer (NMLS #222703) with Cornerstone First Mortgage, LLC (Company NMLS #173855). Cornerstone First Mortgage is a full-service mortgage bank. Any loan terms, interest rates, or products described on this website are subject to change and subject to full underwriting and credit approval.

Submission of information through this website does not constitute a formal loan commitment or guarantee of pre-approval, approval, or specific loan terms. All loan approvals are subject to final underwriting and property approval.

3. TCPA Consent & Communications

By providing your telephone number and submitting any form on this website, you are providing express written consent to be contacted by Rich Bolt and Cornerstone First Mortgage via phone calls, SMS text messages, and emails, even if your number is on a corporate, state, or national Do Not Call Registry.

You agree that these communications may include telemarketing messages and may be generated using automated technology. Consent is not a condition of purchase. To opt-out of text messaging, reply "STOP" to any message. Standard message and data rates may apply.

4. Accuracy of Information

You agree to provide accurate, current, and complete information when using our services.

5. Disclaimer & Limitation of Liability

The materials on this website are provided on an 'as is' basis. In no event shall Rich Bolt or Cornerstone First Mortgage be liable for any damages arising out of the use or inability to use the materials on this website.

6. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of the State of New Jersey.

7. Contact Us

If you have any questions about these Terms of Use, please contact us at:

Richard L Bolt Mortgage Loan Officer
Cornerstone First Mortgage, LLC
6 Century Dr Ste 180
Parsippany, NJ 07054
Email: rbolt@cfmtg.com
Phone: 908-332-8575