Exhibit 5.1  Opinion of Counsel and Consent

July 30, 2001

Board of Directors
CFI Mortgage, Inc.,
Suite 500
601 Cleveland Street
Clearwater, Florida 33755
Re:  Registration Statement on Form S-8

Gentlemen:

I am acting as counsel for CFI Mortgage, Inc., a Delaware corporation (the
"Company"), in connection with the registration under the Securities Act of
1933, as amended (the "Act"), of the offer and sale of 2,214,117 shares (the
"Shares") of the Company's common stock, par value $0.001 per share (the "Common
Stock") which the Company intends to issue to a consultant, employees and to the
undersigned in payment for services rendered or to be rendered to the. A
Registration Statement on Form S-8 covering the Shares (the "Registration
Statement") is being filed under the Act with the Securities and Exchange
Commission.

In rendering the opinion expressed herein, I have reviewed such matters of law
as I have deemed necessary and have examined copies of such agreements,
instruments, documents and records as I have deemed relevant. In rendering the
opinions expressed herein, I have assumed the genuineness and authenticity of
all documents examined by us and of all signatures thereon, the legal capacity
of all natural persons executing such documents, the conformity to original
documents of all documents submitted to us as certified or conformed copies or
photocopies and the completeness and accuracy of the certificates of public
officials examined by us. I have made no independent factual investigation with
regard to any such matters.

Based upon the foregoing and subject to the qualifications stated herein, it is
my opinion that the Shares to be issued, when issued and delivered for the
purposes described above, will be validly issued, fully paid and non-assessable.
The opinion expressed herein is limited to matters involving the federal laws of
the United States and to the corporate laws of the State of Delaware, and I
express no opinion as to the effect on the matters covered by this opinion of
the laws of any other jurisdiction.

I hereby consent to the use of this opinion as an exhibit to the Registration
Statement and the reference to me therein under the caption "Interests of Named
Experts and Counsel." The opinion expressed herein is rendered solely for your
benefit in connection with the transaction described herein. Except as otherwise
provided herein, this opinion may not be used or relied upon by any person, nor
may this letter or any copies thereof be furnished to a third party, filed with
a governmental agency, quoted, cited or otherwise referred to without my prior
written consent.

Very truly yours

/s/ Jackson L. Morris
Jackson L. Morris