Terms & Conditions
Village Mortgage Inc.
Effective date: September 11, 2026
1. About This Website
These terms describe the use of Village Mortgage Inc.’s refinance inquiry website at https://village-refinance-check.mikey123.chatgpt.site and our related inquiry text-message program. Village Mortgage Inc. is a mortgage brokerage located at 3852 S Washington Blvd, South Ogden, UT 84403. Company NMLS #91658.
2. Your Refinance Inquiry
The website lets you share your refinance goals and request a conversation with our team. The initial review is free and carries no obligation to obtain a mortgage through Village Mortgage. Please provide accurate contact information and estimates to the best of your knowledge, and submit only information you are authorized to provide.
Submitting this inquiry is not a loan application, credit authorization, loan approval, rate lock, or commitment to lend. We do not pull your credit solely because you complete this form. Any later application, credit authorization, loan terms, or charges will be addressed separately through the mortgage process and applicable disclosures.
3. Mortgage Information and Limitations
Website information is general and does not guarantee that refinancing will meet your goals or that you will qualify for any particular program, interest rate, payment, or loan amount. Availability and terms can change. Actual loan options depend on lender review and applicable requirements, which may include credit, income, assets, property value, and other eligibility factors.
Refinancing involves costs. A lower monthly payment may extend the repayment term and increase total interest paid. Potential savings depend on your loan terms, closing costs, how long you keep the loan, and other individual circumstances. Review the actual loan disclosures before deciding whether to proceed.
Village Mortgage Inc. is an Equal Housing Lender. This website is not a government agency and is not endorsed by a government agency.
4. Calls and Email Follow-Up
When you request a refinance review, our team may call or email you about that request. We generally attempt to call first. If we cannot reach you, we may follow up by email and, only if you separately agree to texts, by text message. You may ask us to stop following up by telling our team or calling (801) 627-8888.
5. Village Mortgage Refinance Inquiry Text Messages
Program purpose: This program provides non-marketing texts about your refinance inquiry, including responses to questions, follow-up, and appointment coordination. It does not enroll you in ongoing promotional messages or authorize automated promotional calls or artificial, prerecorded, or AI-generated voice calls.
Consent: You opt in by selecting the optional text-message consent checkbox on the refinance form and submitting it. The checkbox is unchecked by default. You may submit your inquiry and use our services without consenting to texts. Providing your phone number or reading these terms does not by itself enroll you. Only provide a number you are authorized to use.
Frequency and charges: Message frequency varies based on your inquiry and conversation with our team. Message and data rates may apply under your mobile plan. Village Mortgage does not charge a separate fee for these texts. Contact your wireless provider with questions about your plan.
Stopping messages: Reply STOP to any message to unsubscribe. We will honor your request and may send a final confirmation identifying Village Mortgage and confirming that you have been unsubscribed. After that confirmation, we will not send further program texts unless you opt in again. You may also call (801) 627-8888 or tell our team that you no longer want texts; you do not have to use a particular word to ask us to stop.
Help: Reply HELP for assistance or call Village Mortgage Inc. at (801) 627-8888. If texting does not work, use this phone number to reach us directly.
Delivery: Text delivery depends on your wireless provider, device, and network availability. Messages may be delayed or not delivered. Wireless carriers are not liable for delayed or undelivered messages. Text messages are not a substitute for signed loan documents or written rate-lock confirmations.
Number changes: Please let us know if you change your phone number or no longer control the number you provided so we can update our records.
6. Privacy and Sensitive Information
Our Privacy Policy explains what information we collect, how we use and store it, and how to request access, correction, or deletion. Read it at Privacy Policy.
Do not send Social Security numbers, bank account numbers, passwords, or sensitive loan documents through the inquiry form or ordinary text messages. Contact our team for instructions on providing documents securely.
7. Appropriate Use and Availability
Use this website for lawful purposes. Do not submit another person’s information without authority, send malicious code, attempt unauthorized access, or interfere with the website’s operation. Website access may be interrupted for maintenance or technical reasons. If you cannot submit a request or do not receive confirmation, call us for assistance.
8. Updates and Other Agreements
We may update these terms by posting a revised version with an updated effective date. Changes do not expand your text-message consent; a new messaging purpose requiring consent will require a new opt-in. Any mortgage application, loan agreement, or other transaction documents apply separately. Nothing in these terms waives rights that cannot be waived under applicable law.
9. Contact Us
Village Mortgage Inc.
3852 S Washington Blvd
South Ogden, UT 84403
Phone: (801) 627-8888
Company NMLS #91658