The terms you agree to by using this site.

What this site is

Alliance Lending Services is a licensed Utah mortgage lender, NMLS #304510. This site explains our loan programs, publishes mortgage education, and lets you start a conversation with a loan officer.

Nothing here is an offer to lend, a rate lock, or a commitment. Rates, terms, and approvals come in writing from a loan officer after a full application.

Who may use it

You must be at least 18 years old and live in the United States to use this site.

This site is not designed for children. We do not knowingly collect information from anyone under 13.

How you may use it

Read it, print it, and share it. Use our mortgage calculators and articles to work out where you stand.

What you may not do:

• Copy, resell, or republish our content
• Scrape the site with bots, crawlers, or automated tools
• Send spam or bulk messages through our forms
• Interfere with the security or availability of the site
• Use anything here to break a state or federal law

Information you give us

Give us information that is accurate and current — we act on it.

Do not send Social Security numbers, account numbers, or loan documents through the contact form. Your loan officer will send you a secure link instead.

What we do with what you send is covered by our Privacy Policy.

What consent means

We text people who have given us a mobile number and asked to hear from us.

Phone numbers collected for text messaging are never sold or shared with third parties for marketing.

What we send

If you have agreed to receive texts from Alliance Lending Services, they will be one of three kinds:

• Loan updates — where your file stands and what we need next
• Customer care — a reply to a question you have asked us
• Marketing — rate news, program updates, and occasional offers

• Loan update

  Alliance Lending Services: your appraisal is scheduled for Thursday morning. Reply STOP to opt out. Reply HELP for help.

• Customer care

  Alliance Lending Services: we have your question about VA entitlement and a loan officer will call today. Reply STOP to opt out.

• Marketing

  Alliance Lending Services: ask us for a free review of your current mortgage. Reply STOP to opt out. Reply HELP for help.

How often

Message frequency varies.

It depends on the kind of message and where you are in the loan process. An active file gets more texts than a one-off question.

Message and data rates

Standard message and data rates may apply, depending on your carrier's plan.

Those rates can differ for messages sent inside and outside the United States.

How to opt in

Text us at (801) 348-8963, or give a loan officer your mobile number and ask us to text you.

Either one is your consent to receive text messages at that number.

Our contact form does not sign you up for text messages.

How to opt out

Reply STOP to any text from us and the messages stop.

You can also call (801) 255-6582 or email customercare@aboutalliance.com and ask to be taken off the list.

Getting help

Reply HELP to any text from us and you will get our contact details back.

To reach a person, call (801) 255-6582 — we answer Monday–Friday, 8:30 a.m.–5:00 p.m. (Mountain Time).

Standard disclosures

Message and data rates may apply. Message frequency varies. Reply STOP to opt out and HELP for help. See our Privacy Policy for how we handle your number.

Our content

The words, images, layout, logos, and code on this site belong to Alliance Lending Services or to the people who license them to us.

You may not copy, modify, redistribute, or data-mine any of it for commercial use without our written permission.

Links to other sites

We link to agencies, lenders, and our own online application, which runs on a third-party platform.

Those sites are run by other people under their own terms and privacy policies. We are not responsible for what they publish or do.

Rates and figures

Rates, program rules, and loan limits change often. Our articles and calculators are general education, not advice about your situation.

Confirm anything that matters with a loan officer before you act on it.

No warranties

This site is provided on an “as is” and “as available” basis.

We work to keep it accurate and online, but we cannot promise that it will always be correct, uninterrupted, or free of viruses.

We disclaim the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Some states do not allow those exclusions, so part of this may not apply to you.

Limits on our liability

To the extent the law allows, Alliance Lending Services is not liable for indirect, incidental, or consequential damages arising from your use of this site.

Some states do not allow that limit, so it may not apply to you.

If you are unhappy with this site, your remedy is to stop using it.

Changes to these terms

We may update these terms, and a change takes effect when we post it here.

The date at the top of this page is when they were last revised.

Using the site after a change means you accept the revised terms.

Governing law

These terms are governed by the laws of the State of Utah, without regard to its conflict-of-law rules.

Any dispute about this site or these terms belongs in the state or federal courts serving Salt Lake County, Utah.

Licensing and disclosures

Alliance Lending Services is an Equal Housing Lender, NMLS #304510.

Our license numbers, lending disclosures, and required notices are on the Legal Disclosures page.