Terms and Conditions

Last Updated: June 30, 2025

Welcome to Mortgage with Melissa (“Company”, “we”, “us”, or “our”). These Terms and Conditions (“Terms”) govern your use of our website located at mortgagewithmelissa.org (the “Website”). By accessing or using our Website, you agree to be bound by these Terms. If you do not agree, please do not use our Website.

1. Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts to use this Website.

2. No Financial or Legal Advice

All content on this Website is for informational purposes only and does not constitute financial, legal, or professional advice. You should consult with qualified professionals for specific advice tailored to your situation.

3. Privacy

Your use of our Website is also governed by our Privacy Policy. Please review it to understand how we collect, use, and protect your information.

4. Communications

By providing your contact information (e.g., phone number, email, social media handles), you consent to us contacting you via phone calls, text messages, emails, or other methods as permitted by law, including for marketing purposes. You may opt out of marketing communications at any time.

5. Intellectual Property

All content on this Website, including text, graphics, logos, images, and software, is our property or the property of our licensors and is protected by copyright, trademark, and other laws. You may not reproduce, modify, or distribute any content without our prior written permission.

6. Use of Website

You agree not to:

  • Use the Website for any unlawful purpose.

  • Attempt to gain unauthorized access to our systems or networks.

  • Interfere with the operation of the Website or other users’ enjoyment of it.

7. Links to Third-Party Sites

Our Website may contain links to third-party websites. We are not responsible for the content, security, or privacy practices of those sites. Access them at your own risk.

8. Disclaimer of Warranties

We provide the Website “as is” and without warranties of any kind, either express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.

9. Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, or consequential damages arising out of or related to your use of the Website.

10. Indemnification

You agree to indemnify and hold harmless [Your Business Name] and its affiliates from any claims, damages, or expenses arising from your use of the Website or violation of these Terms.

11. Governing Law

These Terms shall be governed by the laws of the State of Utah, without regard to its conflict of laws principles.

12. Changes to Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated effective date. Continued use of the Website after changes means you accept the revised Terms.

13. Licensing Information

Melissa Lusty is a licensed mortgage broker in the State of Utah. NMLS # 2018598.

14. Equal Housing Opportunity

Mortgage with Melissa - Melissa Lusty is an Equal Housing Opportunity broker. We do not discriminate against any applicant or client on the basis of race, color, religion, national origin, sex, marital status, age, disability, or because all or part of an applicant’s income comes from any public assistance program.

15. Loan Disclosures

All loans are subject to credit approval and underwriting guidelines. Rates, fees, and terms are subject to change without notice and may vary based on borrower qualifications and market conditions.

Mortgage with Melissa - Melissa Lusty does not guarantee loan approval, rate locks, or funding until all required documentation has been received and the loan has been approved and closed.

16. Contact Us

If you have questions about these Terms, please contact us at:

Mortgage with Melissa

Melissa Lusty
7985 S 700 E, Sandy, UT 84070
385-275-8078