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Terms of Use

Last updated: January 12, 2026

Agreement to Terms

By accessing and using utahdownpaymentprograms.com ("the Website"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this Website.

About This Website

Utah Down Payment Programs is a free educational resource designed to help Utah homebuyers discover down payment assistance programs they may qualify for. This Website is maintained by The Tim Hawkes Team at Cornerstone Home Lending.

Important: This Website provides general information and educational tools only. It does not constitute financial, legal, or mortgage advice.

Educational Purpose Disclaimer

The eligibility quiz, program information, and all content on this Website are provided for educational and informational purposes only. Specifically:

  • Quiz results are estimates only. They do not guarantee eligibility for any program.
  • Final eligibility is determined solely by the administering agency (such as Utah Housing Corporation, city, or county housing departments) and your chosen lender.
  • Program information may change without notice. Funding availability, income limits, and program terms are subject to change by program administrators.
  • We are not affiliated with any government agency or housing authority. We aggregate publicly available information for educational purposes.

No Guarantee of Assistance

Using this Website or completing our eligibility quiz does not:

  • Guarantee approval for any down payment assistance program
  • Reserve funds or place you on any waitlist
  • Constitute an application for any program
  • Create a lender-borrower relationship
  • Constitute mortgage pre-approval or pre-qualification

Accuracy of Information

We strive to maintain accurate and up-to-date information about down payment assistance programs. However:

  • We cannot guarantee the accuracy, completeness, or timeliness of all information
  • Program details should be verified directly with program administrators before making decisions
  • Income limits are based on published Area Median Income (AMI) data and may vary

User Responsibilities

By using this Website, you agree to:

  • Provide accurate information when using our tools
  • Verify program details with official sources before applying
  • Not use the Website for any unlawful purpose
  • Not attempt to interfere with the Website's operation
  • Not misrepresent your identity or information

Intellectual Property

All content on this Website, including text, graphics, logos, and software, is the property of Utah Down Payment Programs or its licensors and is protected by copyright and trademark laws.

You may not reproduce, distribute, or create derivative works without our written permission.

Third-Party Links

This Website contains links to third-party websites, including:

  • Utah Housing Corporation (utahhousingcorp.org)
  • City and county government websites
  • HUD (hud.gov)
  • Program administrator websites

We are not responsible for the content, accuracy, or practices of these external sites. Links are provided for convenience and do not imply endorsement.

Limitation of Liability

To the fullest extent permitted by law, Utah Down Payment Programs, The Tim Hawkes Team, and Cornerstone Home Lending shall not be liable for:

  • Any indirect, incidental, special, or consequential damages arising from your use of this Website
  • Any loss of data, profits, or opportunities resulting from reliance on information provided
  • Any errors or omissions in program information or quiz results
  • Denial of assistance by any program administrator

Indemnification

You agree to indemnify and hold harmless Utah Down Payment Programs, its operators, and affiliates from any claims, damages, or expenses arising from your use of the Website or violation of these Terms.

Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting. Your continued use of the Website after changes constitutes acceptance of the modified terms.

Governing Law

These Terms of Use are governed by the laws of the State of Utah. Any disputes shall be resolved in the courts of Davis County, Utah.

Mortgage Lending Disclosures

Mortgage services, if requested, are provided by Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Member FDIC. NMLS #2258. Equal Housing Lender.

Tim Hawkes NMLS #8785 | Jake Peterson NMLS #1692825

NMLS Consumer Access

Contact Information

For questions about these Terms of Use, please contact us:

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