These Terms and Conditions govern use of the City First Mortgage, LLC website and our real estate credit services. By using this website or requesting a loan review, you agree to these terms and our Privacy Policy.
1. Services
City First Mortgage, LLC provides residential mortgage and real estate credit services, including purchase financing, refinance review, equity lending discussion, and related origination support. Website content is informational and does not constitute a loan commitment, interest-rate lock, or credit decision.
2. Loan Files and Written Agreements
Specific loan terms, fees, and closing dates are set only in official disclosures, commitments, and closing documents. If website language conflicts with those documents, the loan documents control.
3. Applicant Responsibilities
- Provide accurate income, asset, occupancy, and liability information
- Respond promptly to documentation and underwriting requests
- Review disclosures within required timeframes
- Use credit proceeds only for lawful purposes consistent with the loan agreement
4. Fees and Payments
Application, origination, and third-party fees are described in loan estimates and closing disclosures. Unpaid amounts due under a signed agreement may delay processing or closing.
5. No Guarantee of Approval
Credit approval depends on underwriting guidelines, property condition, appraisal, title, and investor or insurer requirements. Pre-qualification is not a commitment to lend.
6. Limitation of Liability
To the fullest extent permitted by law, City First Mortgage, LLC is not liable for indirect, incidental, or consequential damages arising from website use or from credit inquiries that do not result in a closed loan.
7. Communications and SMS
If you opt in to SMS communications, you may receive loan-status and service messages. Message frequency varies. Message and data rates may apply. Reply STOP to opt out.
8. Governing Law
These terms are governed by the laws of the State of Utah, without regard to conflict-of-law provisions.
9. Contact Information
City First Mortgage, LLC
750 S. Main St., Bountiful, UT 84010
Phone: (610) 707-8118
Email: info@cityfirstmtg.com
Website: https://cityfirstmtg.com