Terms of Use

1Website purpose

FHA Loan Utah provides general educational information about FHA mortgage financing, homebuying, loan eligibility, credit, down payments, property standards, and related topics. The website is operated by Victor Emmel, a mortgage loan officer with Coast2Coast Mortgage LLC.

Website content is provided for general information only. It is not financial, legal, tax, accounting, real-estate, or credit-repair advice. You should consult appropriately qualified professionals regarding your individual circumstances.

2No loan offer or commitment

Nothing on this website constitutes a commitment to lend, an approval, a pre-approval, a rate lock, a guarantee of financing, or an offer to enter into a loan agreement. Mortgage approval is subject to a completed application, required disclosures, credit and income review, property review, underwriting, program eligibility, and all applicable lender requirements.

Loan programs, rates, costs, terms, eligibility standards, and underwriting requirements can change without notice and may vary based on the borrower, property, transaction, lender, investor, and applicable law.

3Calculators and estimates

Calculators, payment examples, affordability figures, illustrations, and other estimates are provided for educational purposes only. Results may not include every charge or variable, including property taxes, homeowners insurance, mortgage insurance, homeowners association dues, closing costs, prepaid items, interest-rate changes, or lender-specific requirements.

4Accuracy of information

We work to provide useful and accurate information, but we do not warrant that all website content is complete, current, or free from errors. Government guidance, loan limits, program rules, market conditions, and lender requirements may change after content is published.

Your mortgage loan officer and lender should confirm the rules and requirements that apply to your specific transaction.

5No government affiliation

FHA Loan Utah is not a government agency and is not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Housing and Urban Development, the Federal Housing Administration, or any other government entity.

“FHA” refers to the Federal Housing Administration and its mortgage insurance programs. Use of government program names is for identification and educational purposes only.

6Forms, applications, and scheduling

The website may include forms, questionnaires, scheduling tools, calculators, and links to secure mortgage application systems. Submitting a website form or questionnaire does not constitute a formal mortgage application unless the applicable disclosures and application requirements are completed through the authorized loan application process.

You agree to provide accurate, current, and complete information. Do not submit another person’s information without authorization. Sensitive financial documents should be transmitted only through an approved secure system—not through ordinary email or general contact forms.

7Electronic and text communications

When you provide contact information or schedule an appointment, you authorize us to respond through the communication methods you request or permit. Separate consent language governs text messaging where applicable.

For text messages, message frequency may vary and message and data rates may apply. Text HELP for assistance or reply STOP to opt out. Consent to receive text messages is not a condition of purchasing any property, goods, or services.

8Third-party services and links

This website may link to or embed services operated by third parties, including form, scheduling, calculator, mapping, social-media, and mortgage-application providers. Those services are governed by their own terms, privacy practices, availability, and security procedures.

We are not responsible for the content, accuracy, availability, policies, or performance of third-party websites or services. A link does not necessarily mean that we endorse every statement, product, or service on the linked site.

9Acceptable use

You may not use this website to:

• Violate any applicable law or the rights of another person;
• Submit false, misleading, fraudulent, or unauthorized information;
• Attempt to gain unauthorized access to the website or connected systems;
• Introduce malicious code, interfere with normal operation, or evade security controls;
• Harvest data or use automated systems in a way that burdens or damages the website; or
• Copy, republish, sell, or exploit protected website content without permission.

10Intellectual property

Unless otherwise stated, the website’s original text, graphics, page designs, branding, and other content are owned by or licensed to FHA Loan Utah, Victor Emmel, or Coast2Coast Mortgage LLC and are protected by applicable intellectual-property laws.

You may view, print, or share links to the website for personal, noncommercial use. You may not reproduce, modify, publish, distribute, or commercially exploit protected content without prior written permission. Third-party names, trademarks, and materials remain the property of their respective owners.

11Website disclaimer

To the fullest extent permitted by law, this website and its content are provided “as is” and “as available,” without warranties of any kind, whether express or implied. We do not warrant uninterrupted access, error-free operation, or that the website will be free from harmful components.

Some jurisdictions do not allow certain warranty exclusions. In those jurisdictions, exclusions apply only to the extent legally permitted.

12Limitation of liability

To the fullest extent permitted by law, FHA Loan Utah, Victor Emmel, Coast2Coast Mortgage LLC, and their respective officers, employees, contractors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from your use of—or inability to use—this website or its linked services.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited.

13Privacy

Your use of this website is also subject to our Privacy Policy, which explains how information may be collected, used, disclosed, and protected.

14Changes and availability

We may update these Terms of Use or change, suspend, or discontinue any part of the website at any time. Updated terms become effective when posted unless a later date is stated. Your continued use of the website after an update means you accept the revised terms.

15Applicable law and severability

These terms are governed by applicable federal law and, where not preempted, the laws that apply to the website operator and the relevant transaction. If any provision is found unenforceable, the remaining provisions will continue in effect to the fullest extent permitted by law.