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This is not a commitment to make a loan. All loans are subject to credit and property approval and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over life of loan. Reduction in payments may reflect longer loan term. Terms of the loan may be subject to payment of points and fees by the applicant. Equal Housing Lender. Corporate NMLS#18163 Licensed to originate mortgages in ID, OR ML-2304, TX residential mortgage loan originator, and UT. 2890 E Cottonwood Pkwy, Ste 350, SLC, UT 84121 | Main Office Line 8001.858.1300 |