Terms of Service

Last updated: May 16, 2026

These Terms of Service govern your access to and use of the website operated at alaska.loans (the "Site"), which is owned by Huitai LLC ("we," "us," or "our"), and the services described herein, including mortgage origination services provided by Derek Huit (NMLS #203980) as a loan originator for Cardinal Financial Company, L.P. (NMLS #66247).

1. No mortgage offer

Information presented on this Site does not constitute a commitment to lend, an offer to extend credit, or a guarantee of any loan terms. All mortgage transactions are subject to credit approval, satisfactory title, appraisal, and other underwriting requirements. Programs, rates, terms, and conditions are subject to change without notice.

2. VA loan disclosures

This Site is not affiliated with or endorsed by the U.S. Department of Veterans Affairs, the U.S. Department of Defense, or any government agency. VA loan products require eligibility as determined by the VA, including the issuance of a valid Certificate of Eligibility, and are subject to all VA program requirements.

3. Equal Housing Lender

Cardinal Financial Company is an Equal Housing Lender. We make credit decisions without regard to race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter a binding contract), source of income, or because all or part of your income is derived from any public assistance program.

4. Contact consent (TCPA)

By submitting your information through any form on this Site, you consent to be contacted by Derek Huit and Cardinal Financial Company at the telephone number and email address you provided, including by automatic telephone dialing system, prerecorded voice, and SMS text message, regarding mortgage products and services. Consent is not a condition of any loan or service. Message and data rates may apply. Reply STOP to unsubscribe from SMS at any time.

5. No professional advice

Information on this Site is provided for general informational purposes and does not constitute legal, tax, accounting, or financial advice. Consult appropriate licensed professionals before making any financial decision.

6. State licensing

Derek Huit is licensed in Alaska, Georgia, Illinois, Indiana, Michigan, Montana, Oklahoma, Texas, and Washington. Loan origination services are available only in states where Derek Huit and Cardinal Financial Company are properly licensed.

7. Intellectual property

All Site content, including text, graphics, logos, and trademarks, is the property of Huitai LLC or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

8. Limitation of liability

To the maximum extent permitted by law, Huitai LLC shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Site.

9. Changes to terms

We may update these Terms at any time. Continued use of the Site after changes constitutes acceptance of the revised Terms.

10. Contact

Huitai LLC · Anchorage, Alaska · derekhuit@gmail.com