El Paso County Real Estate + Mortgage Savings

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COMPLIANCE • LEGAL

Mortgage Disclaimer

This page explains that mortgage-related website content is informational only and does not create a loan approval, Loan Estimate, commitment to lend, or guaranteed rate.

Mortgage advertising is regulated, and Regulation Z contains specific advertising requirements for closed-end credit, including mortgage credit advertising.

Applies to

Prime Home Team & Ultimate Mortgage

Contact

info@primehometeam.com

On This Page

Mortgage information on this website is provided for general informational purposes only. It is not a mortgage application, Loan Estimate, pre-approval, approval, commitment to lend, locked rate, or guarantee of loan terms.

Section 1: No Loan Approval or Commitment

Submitting a website form, requesting a rate quote, requesting a savings estimate, uploading a lender quote, or contacting Prime Home Team or Ultimate Mortgage does not create a loan approval, Loan Estimate, pre-approval, commitment to lend, locked rate, or guarantee of loan terms.

Section 2: Rate Quote Disclaimer

A requested rate quote is based on preliminary information provided by the buyer. Final loan terms depend on verified borrower information, credit profile, income, assets, liabilities, property details, loan program, occupancy, market conditions, underwriting approval, and rate lock availability.

Section 3: APR and Advertising Note

This website should avoid publishing specific interest rates unless the required APR and other applicable mortgage advertising disclosures are included and reviewed for compliance.

Section 4: No 1% Loan Origination Fee

Ultimate Mortgage does not charge a 1% loan origination fee through the Prime Buyer Advantage. However, other costs may still apply. Actual costs vary by loan program, borrower qualifications, property type, third-party providers, and transaction details.

Section 5: No Lender Processing Fee

Ultimate Mortgage does not charge a lender processing fee. However, other loan-related and third-party costs may still apply, including appraisal fees, credit report fees, title charges, government charges, prepaid items, escrow costs, taxes, insurance, and other settlement costs.

Section 6: Loan Programs

Loan program availability, qualification, down payment requirements, mortgage insurance, VA eligibility, FHA requirements, conventional loan terms, jumbo loan terms, and other mortgage details are subject to program guidelines, lender requirements, underwriting approval, market conditions, and applicable law.

Section 7: VA Loan Disclaimer

VA loan eligibility, property eligibility, funding fee treatment, occupancy requirements, and final approval are subject to VA guidelines, lender requirements, and underwriting approval. Not all borrowers or properties qualify.

Section 8: FHA Loan Disclaimer

FHA loan eligibility, mortgage insurance, property eligibility, appraisal requirements, credit requirements, and final approval are subject to FHA guidelines, lender requirements, and underwriting approval. Not all borrowers or properties qualify.

Section 9: Conventional Loan Disclaimer

Conventional loan terms, mortgage insurance requirements, pricing, down payment options, property eligibility, and final approval are subject to investor guidelines, lender requirements, and underwriting approval.

Section 10: Lender Quote Review Disclaimer

A lender quote review is based on the information provided by the visitor. It is not a guarantee that Ultimate Mortgage can match or improve another lender’s quote. Mortgage pricing changes frequently and may depend on rate lock timing, loan details, borrower qualifications, property details, and market conditions.

Section 11: Buyer Choice

Buyers may choose any lender. Buyers are never required to use Ultimate Mortgage. The Prime Buyer Advantage applies when using Prime Home Team for the real estate purchase and Ultimate Mortgage for financing.