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Terms, Policies & Disclosures

Disclosures

EFFECTIVE DATE: DECEMBER 16, 2019

We make every effort to keep our information accurate, however, because of daily changes in interest rates, mortgage programs, and financial regulations, the details on this website are for informational purposes only, and are not necessarily accurate, complete or relevant for today’s mortgage conditions. The loan programs and terms on myutahmortgage.com are all subject to approval according to the applicant’s credit, income, debt and personal situation, and are subject to change without notice, including access to and use of the information provided on this site.
Because of individual financial and personal circumstances, and the geographical nature of mortgage loans, all products and services, including fees, regulations, and rates may vary. Utah Mortgage will not be held liable, in any way, for damages or loss, indirect or consequential, including the loss of information, data, or money, because of the use of this website.

While facts found on this website provides you an overall understanding of what loan programs are available, the most reliable way to determine your ability to acquire a mortgage loan, with its accompanying interest rate and fees, is to discuss your personal financial situation and desired outcome with a mortgage consultant, who can identify the best program, and outline the available interest rates, fees and requirements to close your loan.

Monthly payment amounts, APRs, fees, rates, points, and loan origination data provided on myutahmortgage.com are examples only, and based on limited information. These online examples do not include monthly mortgage insurance premiums, (if they are required for your loan type), property taxes, and homeowner’s insurance. Other factors that help determine the final terms of your loan include; the appraisal value of your home, actual credit score, personal financial information including income and debt, as well as additional circumstances that are unique to your situation. Each of these components may cause your loan payment to increase or decrease.

If you have chosen an ARM loan, you have the possibility of a rise in your mortgage rate annually, after a fixed initial period. For example, a 5/1 ARM would include a five year fixed interest rate, and a possible annual increase until the maximum interest rate has been reached.

There are many websites on the internet that link to myutahmortgage.com, including social media platforms such as Facebook, Twitter, Instagram and more. The inclusion of a website link to Utah Mortgage, does not imply our endorsement or recommendation of the information provided in the referring website. Information found on those referring websites has not been reviewed or approved by Utah Mortgage. We make no guarantees, offers, or representations, expressed or implied, about the information given on other sites, including details regarding programs, products, or services. If you choose to follow the recommendations given on referring websites, you do so of your own free will, and at your own risk.

Privacy Policy

EFFECTIVE DATE: DECEMBER 16, 2019

Utah Mortgage (also “Nevada Home Loans”, “Utah Mortgage, Inc.”, “Colorado Mortgage”, “we”, “us”, “our”) prepared this Privacy Policy to help you understand our practices with respect to the collection, use, and disclosure of information we collect.

By accessing or using the services we provide you agree to this privacy policy.

By using myutahmortgage.com, including applying for a loan, or requesting more information, you may receive phone calls, emails, recorded phone messages, mailed communication, and text messages, if you have provided a cell phone in the contact information. Regular cell phone charges apply. If you no longer wish to receive communication from our office, you can call our corporate office at (801) 903-2993.  During the process of serving our customers, and with your permission, we share your personal information to third parties, in regard to a service provider in conjunction to closing your loan, such as, but not limited to, an appraiser, title company, wholesale lender & third-party processors.

Our website also uses cookies, tracking pixels and related technologies. Cookies are small data files that are served by our platform and stored on your device. Our site uses cookies dropped by us or third parties for a variety of purposes including to operate the website. Also, cookies may also be used to track how you use the site to target ads to you on other websites.

The secure loan application on our website is provided by Etrafficers, a third party provider.

Licenses

LAST UPDATED: DECEMBER 16, 2019

Utah Mortgage, Inc. that is based within the state of Utah and supports Equal Housing Opportunity. NMLS ID# 1432672 (www.nmlsconsumeraccess.org) | (801) 903-2993.

Utah Mortgage, Inc., Nevada Home Loans, Colorado Mortgage is licensed by:

State License
Colorado Mortgage Company Registration
Nevada Nevada Mortgage Broker License No. 4994
Utah Utah – DRE Mortgage Entity License No. 9597917