Effective 2026

Terms of Use

These Terms of Use ("Terms") govern your access to and use of the Garrett Mortgage LLC website ("Site"). By using the Site you agree to these Terms. If you do not agree, do not use the Site.

No offer of credit

Information on this Site is for general informational purposes only and is not an offer to lend, a commitment to lend, or an advertisement for a specific loan product, rate, or term. All loans are subject to credit, underwriting, and property approval. Programs, rates, terms, and conditions are subject to change without notice and may vary by state and applicant.

Not professional advice

Content on this Site, including calculators and articles, is not legal, tax, accounting, or investment advice. Consult a qualified professional before making financial decisions.

Calculators & estimates

Mortgage calculators and estimated payments are illustrative only. Actual loan terms, payments, taxes, insurance, and fees will differ. Do not rely on calculator output as a Loan Estimate or commitment.

Intellectual property

All content on this Site — including text, graphics, logos, and images — is owned by Garrett Mortgage LLC or its licensors and is protected by U.S. and international copyright and trademark laws. You may not copy, reproduce, or redistribute Site content without our prior written permission.

Third-party links

The Site may link to third-party websites or services we do not control (including loan application portals and government resources). We are not responsible for the content, accuracy, or practices of those sites.

Your conduct

You agree not to use the Site to submit false or fraudulent information, interfere with its operation, or attempt unauthorized access to any system or data.

Disclaimer of warranties

The Site is provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

Limitation of liability

To the fullest extent permitted by law, Garrett Mortgage LLC and its owners, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of, or inability to use, the Site.

Governing law

These Terms are governed by the laws of the State of Utah, without regard to its conflict-of-laws principles. Venue for any dispute lies in the state or federal courts located in Iron County, Utah.

Changes

We may modify these Terms at any time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

Contact

Garrett Mortgage LLC · 2202 N Main St #104, Cedar City, UT 84721 · (435) 590-3685