Terms of Use

Educational purpose

This website is provided for general educational and informational purposes about homebuying and mortgage financing. Nothing on this site constitutes a loan offer, a commitment to lend, a rate quote, or a guarantee of loan approval or eligibility for any program.

Calculators & estimates

Calculators on this site produce estimates only, based on the assumptions you enter. Actual mortgage terms depend on a full application, credit review, underwriting, and current program guidelines.

No guarantee of accuracy

Loan program guidelines, eligibility criteria, and market conditions referenced on this site change over time. While we aim to keep content current, please confirm current requirements with Chad before relying on this information.

Licensing

Chad Fowers, NMLS #1332276. Individual loan originator sponsored by Fidelity First Funding, Inc., NMLS #3142.

Intellectual property

Content on this site is owned by Mortgage Lending Utah LLC / Chad Fowers unless otherwise noted, and may not be reproduced without permission.

Text Messaging Service Information

Mortgage Lending Utah LLC offers informational text updates about mortgage inquiries, loan status, appointments, and existing referral relationships. This program does not enroll you in general promotional text campaigns.

To opt in, visit our Text Updates page, enter your details, and select the unchecked SMS consent box before submitting. Providing your number alone is not consent.
Participation is optional. Consent is not a condition of purchase or obtaining a loan or service.
Message frequency varies with your inquiry, appointments, loan activity, or referral relationship. Message and data rates may apply.
Reply STOP to opt out at any time. You may receive a final opt-out confirmation.
Reply HELP for help, call 801-618-3106, or email chad@mortgagelendingut.com.
Carriers are not liable for delayed or undelivered messages.

See our Privacy Policy for how we protect mobile information and SMS consent.

Contact

Questions about these terms can be directed to chad@mortgagelendingut.com.