Terms & Disclosures

Licensing & Registration

Mike Shehan is a licensed mortgage loan officer with Select Rate.

Equal Housing Lender

We are an equal housing lender. We do business in accordance with applicable federal fair housing and equal credit opportunity laws. We do not discriminate against any applicant on a prohibited basis under those laws.

Credit Approval & Loan Qualification

All loans are subject to credit approval and underwriting guidelines. Submitting an application or getting pre-approved is not a commitment to lend, and approval is not guaranteed. Additional documentation may be required during the application process.

Rates, Terms & Program Availability

Programs, rates, terms, and conditions are subject to change without notice. Any rate or payment figures referenced on this website are illustrative and are not a quote, offer, or guarantee of specific loan terms. Actual terms depend on your individual qualifications, the property, market conditions, and other factors evaluated at the time of application.

No Guarantee of Approval or Savings

We do not guarantee loan approval, specific interest rates, specific terms, or that refinancing will result in savings. Whether a mortgage or refinance makes sense for you depends on your individual financial situation and goals.

Educational Content

The articles, guides, calculators, and other content on this website are provided for general educational purposes only. They are not financial, tax, or legal advice. You should consult a qualified professional for guidance specific to your situation.

Mortgage Calculator Disclaimer

Any calculators on this website provide estimates for educational purposes only. Results are not a loan quote, pre-approval, or guarantee of terms. Actual loan amounts, rates, payments, and costs may vary based on your qualifications and market conditions at the time of application.

External Links & Third Parties

This website may contain links to external websites and resources, including the pre-approval application portal and Utah lifestyle links. We are not responsible for the content, accuracy, or privacy practices of those third-party sites. The pre-approval link directs to an external application portal operated by a third-party provider.

Use of This Website

By accessing and using UtahLend.com, you agree to these terms. We reserve the right to modify or update these terms at any time. Continued use of the website after changes are posted constitutes acceptance of the updated terms.

Contact

For questions about these terms or disclosures, contact:

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Mike helps Utah homebuyers, homeowners, veterans, and investors understand their options and make informed decisions.