Skip to content

About
Who we are

Our process What happens between the first call and the keys
Locations Florida, Colorado, Georgia and Tennessee
Careers Open roles on the team
Our partners The agents and builders we work with
See for yourself

Reviews What clients said after closing
Media Videos and audio podcasts
Blog Plain answers to the usual questions
Latest from the blog

CPF Mortgage vs. loanDepot: Is loanDepot a Good Lender for a Florida Home Loan? September 1, 2026
CPF Mortgage vs. Lennar Mortgage: Is the Builder Incentive Actually Worth It? September 1, 2026
More about CPF Mortgage
Home Loans
Start with your goal

Buying a home Get pre-approved, then go and make offers
Refinancing Replace the loan you already have
Using your equity Draw on it as you need it, first mortgage untouched
Fixed and adjustable

30 Year Fixed Rate Mortgage The steady option most buyers start with
15 Year Fixed Rate Mortgage Own the house outright sooner
Adjustable Rate Mortgage If you expect to move or refinance before it adjusts
Jumbo Loans Amounts above the conforming limit
Government-backed

FHA Loans A lighter credit history, or more debt behind you
VA Loans Veterans, service members and surviving spouses
USDA Loans Eligible rural and small-town addresses
Not sure which one is yours? Two questions, and the loan finder shows the programs that fit.

Compare every loan program side by side
Tools
If you are buying

Mortgage Calculator Estimate a monthly payment, taxes and insurance included
Compare loan programs Every program we offer, in one table
Purchase a home What pre-approval involves, and what comes after it
If you already own

Free Home Value Report A custom report for your specific property
Home Value Digest How that value moves, by email each month
Refinancing Whether replacing the loan you have is worth it
Custom Free Quote Get a custom quote within minutes to start your process.

All of our free tools
Contact

(727) 226-1040 (303) 645-4615 (470) 682-4763 (865) 263-3724 Apply

About
Home Loans
Tools
Contact

Licensed to do business in the State of Florida, Colorado, Georgia and Tennessee. NMLS 222883.

Home
Media
What are Seller Concessions?

What are Seller Concessions?

Name: What are Seller Concessions?
Uploaded: 2022-10-03T16:13:43.000Z
Description: What are Seller Concessions?: a short explainer on home buying and tips & insights from the CPF Mortgage team, a five-star broker serving Florida, Colorado, Georgia and Tennessee.

October 3, 2022

Home Buying
Tips & Insights

Your Time & Money Matter. Let’s Not Waste Either.

From fast, custom digital quotes to a completely streamlined online loan application and approval process, you can get your money and do what you want with it, usually in less than 30 days.

Leave this field empty

Name *

First *

Last *

Email *

Phone

Location

Are you a veteran? *

Yes No

Are you looking to purchase or refinance? *

Purchase Refinance

What type of property? *

block home manufactured condo villa other

Property type (other)

What’s your credit score? *

Have you been pre-approved by a lender yet? *

yes no

What is your time frame to purchase or refinance? *

now 3 months 6+ months

Are you working with a realtor? *

yes no

What is your realtor's name? *

yes no

Message

By checking this box, I expressly consent to receive marketing and informational communications from CPF Mortgage regarding mortgage products and services by telephone, text message, and email at the telephone number and email address I provided. Telephone calls and text messages may be made using an automatic telephone dialing system or other automated technology and may include prerecorded or artificial voice messages. I understand that this consent authorizes CPF Mortgage to contact me at the telephone number provided even if it is listed on a federal, state, or CPF Mortgage Do Not Call list. Consent is not required as a condition of obtaining or purchasing any mortgage product or service. Message and data rates may apply. Message frequency may vary. I may revoke my consent at any time, including by replying STOP to text messages, using the unsubscribe link in marketing emails, or notifying CPF Mortgage that I no longer wish to receive these communications. *

Privacy Policy | Terms of Use

10710 FL-54 c101, Trinity, FL 34655
(727) 226-1040

Contact Us

Blog
Reviews
Our Partners
Free Quote
Careers

Site Accessibility
Government Disclaimers
Customer Complaint Policy
Privacy Policy
Terms of Use
Home Value SMS Terms
Home Value SMS Privacy
NMLS Consumer Access Portal

Christopher Paul Financial, LLC dba CPF Mortgage is a Florida mortgage lender NMLS 222883, Florida state license MLD929, Colorado registered mortgage company NMLS 222883, licensed Tennessee mortgage lender NMLS 222883, and Georgia Residential Mortgage Licensee NMLS 222883. The main office is located at 10710 State Road 54, Ste. C101, Trinity, FL 34655. All loan approvals are credit driven, and all decisions are based on underwriting credit approvals. All rates, terms, and programs are subject to change without notice. Borrowers should consider their options carefully when choosing a loan program.
created by energyhill

What are Seller Concessions?

More videos

Quick Tips: Bi-Weekly Mortgage Payments

Tips for Real Estate Agents: Seller Credits

Fact or Fiction: Credit Scores Edition

VA Loan Misconceptions

Qualifying for a Mortgage Loan While Self-Employed

USDA Loans Explained

Your Time & Money Matter. Let’s Not Waste Either.