Terms and conditions

Cap One Lending Terms & Conditions

Last Updated: April 27, 2026

Please read these Terms & Conditions (“Terms”) carefully before using the Cap One Lending website (www.caponelending.com), submitting an application, or using our services. By accessing our site or providing your information, you agree to these Terms. If you do not agree, do not use our website or services.

1. About Us

Cap One Lending, LLC (“Cap One Lending,” “we,” “us,” or “our”) is a mortgage lender based in Lee’s Summit, Missouri. We offer residential mortgages and investment property loans. Contact: (816) 905-1111 | info@caponelending.com | 4041 NE Lakewood Way, Suite 130, Lee’s Summit, MO 64064

2. Our Services

We provide loan information, pre-approval tools, calculators, and application services. All loans are subject to credit approval, underwriting, and our lending guidelines. Rates and terms are subject to change. Not all products are available in every state.

3. No Guarantee

Website content is for general information only and does not constitute a loan offer or commitment. Final approval is not guaranteed.

4. SMS / Text Messaging Services

By providing your mobile phone number and consenting (via checkbox or form submission), you agree to receive text messages (SMS/MMS) from Cap One Lending for important updates including application status, loan servicing, account alerts, payment reminders, and related communications.

  • Message Frequency: Varies, typically 1–4 messages per month (or more if required for active loan servicing).
  • Rates: Message and data rates may apply per your carrier’s plan. We do not charge extra.
  • Opt-Out: Text STOP at any time. You will receive confirmation.
  • Help: Text HELP or email info@caponelending.com.
  • Risks: Text messages are not encrypted. Do not send sensitive information (such as your full Social Security number) via text.

This consent applies regardless of whether your number is on any do-not-call list. You represent that you are the account holder or have permission to use the phone number provided. Full details are part of these Terms.

5. User Responsibilities

You must provide accurate information and be at least 18 years old. You are responsible for keeping your contact details current.

6. Intellectual Property

All website content is owned by Cap One Lending and may not be copied or used without permission.

7. Privacy

Your use of our site is governed by our Privacy Policy.

8. Disclaimers & Limitation of Liability

The website and services are provided “as is.” We disclaim all warranties. We are not liable for indirect or consequential damages. Our total liability shall not exceed the amount you paid us (if any) in the prior 12 months.

9. Governing Law

These Terms are governed by Missouri law. Disputes shall be resolved in Jackson County, Missouri courts.

10. Changes to Terms

We may update these Terms. Continued use after changes means you accept the new Terms.

Questions? Contact us at info@caponelending.com or (816) 905-1111.