These Terms of Use ("Terms") govern your access to and use of the Wasatch Equity Group website located at wasatchequitygroup.com and any related pages, forms, or content operated by Justin Montoya, doing business as Wasatch Equity Group ("WEG," "we," "us," or "our"). Please read these Terms carefully. By accessing or using this site, you agree to be bound by them.
Wasatch Equity Group is independently owned and operated. Justin Montoya is licensed as a Utah real estate sales agent affiliated with Kelly Right Real Estate, and as a mortgage loan originator sponsored by Loan Factory, Inc. (NMLS #320841). These Terms apply specifically to the WEG website. Kelly Right Real Estate and Loan Factory, Inc. maintain their own separate terms, policies, and licensing conditions, which are incorporated by reference where applicable and available at their respective websites.
Acceptance of Terms
By using this website — including browsing pages, submitting a form, clicking a call-to-action, calling or texting the phone number listed, or otherwise engaging with any content — you acknowledge that you have read, understood, and agree to these Terms. If you do not agree, please do not use this site.
You must be at least 18 years old to use this site or submit an inquiry. By using the site you represent that you meet this requirement.
We may update these Terms at any time. The "Last Updated" date at the top of this page reflects the most recent revision. Continued use of the site after any update constitutes your acceptance of the revised Terms.
Informational Purpose Only — Not Professional Advice
All content on this site — including articles, guides, blog posts, market commentary, educational resources, calculators, and any other materials — is provided for general informational purposes only. Nothing on this site constitutes legal advice, tax advice, financial advice, investment advice, or a formal professional opinion of any kind.
Real estate transactions, mortgage decisions, and investment strategies involve significant financial and legal complexity. Before making any such decision, you should consult with a licensed attorney, CPA, financial advisor, or other qualified professional appropriate to your situation.
Market conditions, interest rates, property values, financing programs, and applicable laws change frequently. While we make reasonable efforts to keep content current and accurate, we make no warranty that any information on this site is complete, up-to-date, or applicable to your specific circumstances. You rely on this content at your own risk.
Past results described on this site — including client outcomes, transaction examples, and case studies — are specific to those situations and are not a guarantee of future results. Individual results will vary based on property, financing, market conditions, and many other factors outside our control.
Real Estate Services & Agency Disclosure
Justin Montoya is a licensed Utah real estate sales agent (License #13587465-SA00) affiliated with Kelly Right Real Estate, a licensed Utah real estate brokerage. All real estate brokerage services advertised or described on this site are provided under that license and in the name of Kelly Right Real Estate, as required by the Utah Division of Real Estate and the National Association of Realtors® Internet Advertising Policy. The Kelly Right Real Estate name appears on this site in compliance with those requirements and reflects Justin Montoya's licensed brokerage affiliation.
In any real estate transaction, the nature of the agency relationship — whether Justin represents a buyer, a seller, or both as a limited agent — will be disclosed to you in writing at the appropriate point in the transaction, as required by Utah law. Visiting this website or submitting a contact form does not create an agency relationship or impose any obligation on you or on Wasatch Equity Group.
Kelly Right Real Estate maintains Errors and Omissions (E&O) insurance covering licensed agents affiliated with the brokerage, including Justin Montoya, for real estate brokerage activities conducted under that license. This coverage applies to qualifying transactions and claims as determined by the applicable policy and insurer. No warranty is made that any specific claim will be covered. E&O coverage does not apply to activities outside the scope of real estate brokerage services, including mortgage origination, business consulting, or other non-brokerage services.
Property listings, descriptions, photographs, pricing, availability, and related information displayed on or linked from this site are believed to be accurate but are not guaranteed. All property information should be independently verified. Equal Housing Opportunity. We do not discriminate on the basis of race, color, religion, sex, national origin, disability, familial status, or any other protected class.
Mortgage & Lending Information
Justin Montoya is a licensed Mortgage Loan Originator (NMLS #266932) sponsored by Loan Factory, Inc. (NMLS #320841). Mortgage and lending services are originated and processed under that sponsorship and are subject to Loan Factory's terms, policies, and licensing conditions, available at loanfactory.com/terms-and-conditions.
All loan products discussed on this site — including but not limited to conventional, FHA, VA, USDA, non-QM, DSCR, hard money, bridge, and commercial loans — are subject to credit approval, underwriting, and eligibility requirements. Not all programs are available to all borrowers. Rates, terms, and availability are subject to change without notice and will vary based on borrower qualifications, property type, and market conditions. This is not a commitment to lend.
Information about loan programs, down payment assistance, interest rates, qualifying criteria, and financing options on this site is general and educational in nature. It does not constitute a loan commitment, pre-approval, or rate lock. Any loan scenario discussed or submitted through this site will be evaluated independently through formal application and underwriting.
Mortgage loan origination services are licensed and regulated by the Utah Department of Financial Institutions and the Nationwide Multistate Licensing System (NMLS). You can verify licensing information at nmlsconsumeraccess.org. Loan Factory, Inc. and Justin Montoya operate in compliance with the Equal Credit Opportunity Act (ECOA) and do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, military status, or receipt of public assistance.
Justin Montoya serves as both a licensed real estate agent and a licensed mortgage loan originator. When representing clients in transactions where financing is also arranged through his MLO license, this dual role creates a potential affiliated business relationship. This relationship will be disclosed to you in writing prior to any transaction, as required by the Real Estate Settlement Procedures Act (RESPA) and applicable law. You are not required to use Justin's mortgage services to use his real estate services, and vice versa.
Contact, Forms & SMS Consent
By submitting a contact form, inquiry form, or loan scenario form on this site, or by voluntarily providing your phone number in any context on this site, you acknowledge and agree to the following:
- You consent to be contacted by Wasatch Equity Group and/or Loan Factory, Inc. by phone call, text message (SMS), or email regarding your inquiry or a related real estate or mortgage matter.
- Contact may be made using manual methods or, where permitted by law, automated or pre-recorded means.
- Providing your phone number and consenting to contact is not a condition of receiving services or purchasing any product.
- You represent that you are the authorized user of the phone number you provide, and that you will notify us promptly if your number changes or is reassigned.
- Message and data rates may apply depending on your wireless carrier and plan.
- Message frequency may vary based on the nature of your inquiry and the stage of any transaction.
All contact forms and inquiry forms on this site include the following consent disclosure at the point of submission, consistent with Loan Factory's required SMS and phone consent standards:
You may withdraw consent and opt out of SMS messages at any time using any of the following methods:
Replying STOP stops text messages only. It does not affect phone call or email contact. You will receive one final confirmation message after opting out of SMS. To stop all forms of contact, please notify us directly by phone or email.
We comply with the National Do Not Call Registry and Loan Factory's internal Do Not Call policy. If your number is registered on the DNC Registry and you have not provided express consent to be contacted, we will not initiate marketing or promotional calls to your number.
By providing your email address through any form on this site, you consent to receive email communication related to your inquiry. You may opt out of marketing emails at any time by replying UNSUBSCRIBE or using the unsubscribe link included in any marketing email. Transaction-related and legally required communications may continue regardless of marketing opt-out status.
Electronic Documents & E-Sign Consent
If you proceed with a mortgage inquiry, application, or transaction through this site or through Loan Factory, Inc., federal law under the Electronic Signatures in Global and National Commerce Act (ESIGN) and the Uniform Electronic Transactions Act (UETA) governs the delivery of required notices, disclosures, and documents electronically.
By submitting a mortgage inquiry or loan application through this site and proceeding with the electronic process, you consent to receive all required notices, disclosures, authorizations, acknowledgments, and other documents electronically through Loan Factory's electronic systems — unless you notify us that you wish to receive them in paper format.
- You are able to access and read electronic disclosures on your device.
- You are able to print or save electronic disclosures for future reference.
- You understand that electronic signatures and records carry the same legal weight as paper signatures under applicable law.
- You agree to maintain a current, valid email address and to notify us promptly of any change.
You may request paper copies of any electronic document or withdraw your consent to electronic delivery at any time by contacting us at [email protected] or (385) 264-6766, or by contacting Loan Factory directly. Withdrawing electronic consent does not affect the legal validity of any disclosures already delivered electronically.
Loan Factory's full UETA and ESIGN disclosure is available at loanfactory.com/esign-terms.
Site Content & Intellectual Property
All content on this site — including text, photography, graphics, logos, page layouts, and design — is the property of Wasatch Equity Group or its content providers and is protected by United States copyright and other intellectual property laws. The Wasatch Equity Group name, logo, and branding are the property of the respective owner and may not be used without written permission.
You may view and print pages from this site for your own personal, non-commercial use. You may not copy, reproduce, republish, distribute, publicly display, or create derivative works from any content on this site without our prior written consent.
The Kelly Right Real Estate name, logo, and branding are the property of Kelly Right International and are used on this site pursuant to Justin Montoya's agent affiliation. The Loan Factory name, logo, and branding are the property of Loan Factory, Inc. and are used on this site pursuant to Justin Montoya's MLO sponsorship. These marks remain the exclusive property of their respective owners and their appearance here does not grant any license to use them independently.
If you submit feedback, ideas, or suggestions to us by any means, you grant Wasatch Equity Group a non-exclusive, royalty-free right to use that feedback for any legitimate business purpose without obligation or compensation to you.
Third-Party Links & Services
This site may contain links to third-party websites, tools, MLS search platforms, property listing services, and other external content. These links are provided for your convenience. Wasatch Equity Group does not control third-party sites and is not responsible for their content, privacy practices, accuracy, or availability. Visiting a linked site is at your own risk and is governed by that site's own terms and policies.
MLS listing data displayed on or linked from this site is provided for informational purposes only and is subject to change without notice. Listing information is not guaranteed and should be independently verified with the listing brokerage. All MLS content is copyright of the applicable MLS and its member brokerages.
This site is built and operated on GoHighLevel (GHL), a third-party website and CRM platform. GHL may use analytics tools, tracking pixels, cookies, and similar technologies. The use of these tools is addressed in our Privacy Policy. Wasatch Equity Group is not liable for GoHighLevel's platform practices, which are governed by GoHighLevel's own terms of service.
AI & Automated Communications
Wasatch Equity Group may use artificial intelligence tools, automated workflows, and CRM automation — including features within GoHighLevel — to assist with responding to inquiries, routing contacts, drafting communications, and managing follow-up sequences.
Any AI-generated or automated response is for initial informational or routing purposes only. It does not constitute professional real estate, mortgage, legal, or financial advice. All substantive conversations, negotiations, applications, and commitments are handled directly by Justin Montoya or a licensed professional.
Loan Factory may separately use AI-assisted tools in connection with mortgage processing, communication, and disclosure workflows. Loan Factory's AI terms are available at loanfactory.com/use-of-ai.
If you receive an automated response and wish to speak with Justin directly, you may call or text (385) 264-6766 or email [email protected] at any time.
Limitation of Liability & Disclaimer of Warranties
This website and all content, tools, and materials on it are provided on an "as is" and "as available" basis without any warranty of any kind, express or implied, including without limitation any implied warranty of merchantability, fitness for a particular purpose, accuracy, or non-infringement.
To the fullest extent permitted by applicable law, Wasatch Equity Group, Justin Montoya, Kelly Right Real Estate, and Loan Factory, Inc. are not liable for any direct, indirect, incidental, special, punitive, or consequential damages arising from your use of this site or reliance on any content contained herein — including but not limited to loss of income, property loss, or financial decisions made in connection with information obtained from this site.
We do not warrant that this site will be uninterrupted, error-free, or free of viruses or other harmful components. We reserve the right to modify, suspend, or discontinue any part of this site at any time without notice.
Nothing in these Terms limits liability that cannot be excluded under applicable law, including liability for fraud or personal injury caused by negligence.
Indemnification
You agree to indemnify, defend, and hold harmless Wasatch Equity Group, Justin Montoya, and their affiliates, agents, and licensors (including Kelly Right Real Estate and Loan Factory, Inc.) from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of this site; (b) your violation of these Terms; (c) your violation of any applicable law or third-party right; or (d) any content or information you submit through this site.
Privacy
Your use of this site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Our Privacy Policy explains how we collect, use, share, and protect information you provide to us through this site, including information shared with Kelly Right Real Estate, Loan Factory, Inc., and other service providers as appropriate to fulfill your inquiry. Please review our Privacy Policy before submitting any personal information.
Accessibility
Wasatch Equity Group is committed to making this website accessible to all users, including individuals with disabilities. We work to ensure that our site content meets applicable accessibility standards, including the Web Content Accessibility Guidelines (WCAG), and we strive to provide an equivalent experience regardless of how you access the site.
Loan Factory, Inc. maintains a separate ADA Accessibility Statement for their platform and services, available at loanfactory.com/ada.
If you experience difficulty accessing any content on this site, or if you need information in an alternative format, please contact us:
- Phone / text: (385) 264-6766
- Email: [email protected]
Changes to These Terms
We reserve the right to update or modify these Terms at any time. We will update the "Last Updated" date at the top of this page when changes are made. For significant changes, we may provide additional notice. Your continued use of this site after any modification constitutes your acceptance of the updated Terms.
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full effect. Our failure to enforce any provision of these Terms is not a waiver of our right to do so in the future.
Governing Law & Disputes
These Terms and your use of this site are governed by the laws of the State of Utah, without regard to its conflict of law provisions. Any dispute arising under or related to these Terms that cannot be resolved informally will be subject to the exclusive jurisdiction of the state and federal courts located in Davis County, Utah, and you consent to personal jurisdiction in those courts.
Mortgage-related disputes involving Loan Factory, Inc. are subject to Loan Factory's own dispute resolution terms, including arbitration provisions, as described in the Loan Factory Terms and Conditions at loanfactory.com/terms-and-conditions.
Contact Us
If you have questions about these Terms, please contact us:
- Wasatch Equity Group · Justin Montoya
- 906 S 4230 W, Syracuse, UT 84075
- (385) 264-6766
- [email protected]
For mortgage-related questions or to contact Loan Factory, Inc. directly: loanfactory.com/contact-us
For Kelly Right Real Estate brokerage questions: kellyrightrealestate.com