Legal Disclaimer

We hereby authorize you to view and print information on this website subject to it being used for informational and non-commercial purposes.

The information contained in this website is believed to be reliable, but we do not warrant its completeness, timeliness or accuracy. The information on this website is not intended as an offer or solicitation for any mortgage product or any financial instrument. The information and materials contained in this website – and the terms and conditions of the access to and use of such information and materials – are subject to change without notice. Products and services described may differ among geographic locations, offices and as a result of individual conditions. Not all products and services are offered at all locations. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

It is our intention that data provided on a subject is of a general nature. Our website does not represent an exhaustive treatment of subjects nor is the information intended to constitute accounting, tax, legal, consulting or other professional advice.

Prior to making any decision or taking any action we kindly request you to contact your tax or legal advisors.

Please use this document and information at your own risk. The content of this site is copyrighted and therefore any unauthorized use of any materials on this website may violate copyright, trademark, and other laws.

Materials on this website may not be modified, reproduced, or publicly displayed, distributed or performed for any public or commercial purposes prior to our approval.

Website Terms of Use:

These Website Terms of Use (or “Website Terms”), together with United American Mortgage and the Misty Lapham Group, govern your use of our site. We may change these Website Terms from time to time. You accept these Website Terms when accessing our site or when you use any apps or mobile services (collectively the “Site”). If you do not agree with these Website Terms you may not use the Site. We reserve the right, in our sole discretion, to change, modify, or otherwise alter these Website Terms at any time by posting the new Website Terms. Your continued use of the Site means you accept the new Website Terms.

Equal Housing Lender:

United American Mortgage is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA), Fair Housing Act, and all other Federal and State regulations. All applicants applying for credit from United American Mortgage will be treated equally regardless of race, color, ethnicity, national origin, religion, sex or gender, sexual orientation, gender identification, military status, marital or familial status, age, disability or handicap, receipt of public assistance, exercise of any right under the Consumer Credit Protection Act, or any other prohibited basis. All information we request is voluntary, and will be kept confidential.

For more information on the ECOA, please visit the Consumer Financial Protection Bureau website at:

For more information on the Fair Housing Act, please visit the Department of Housing and Urban Development website at:


United American Mortgage, NMLS#1942, Corporate Office is located at 3198-F Airport Loop Drive, Costa Mesa, CA 92626. Misty Lapham Group, NMLS# 290023 and BRE#01404520, office is located at 3198-F Airport Loop Drive, Costa Mesa, CA 92626.

Product and service descriptions:

United American Mortgage (UAMCO) and Misty Lapham Group (MLG) attempt to be as accurate as possible. However, the information contained in this website is for general information purposes only and UAMCO and MLG do not warrant that product/service descriptions or other content of this site is accurate, complete, reliable, current or error-free.

Electronic Communications:

When you visit or send emails to us, you are communicating with United American Mortgage (UAMCO) and Misty Lapham Group (MLG) electronically and you consent to receive communications from UAMCO & MLG electronically. We will communicate with you by email or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Consent to Electronic Delivery:

You specifically agree to receive and/or obtain any and all disclosures, notices, information and communications via email, posting on our website or other electronic delivery rather than via paper documents. This includes, but is not limited to, any and all current and future notices and/or disclosures that various federal and/or state laws or regulations require that we provide to you, as well as such other documents, statements, data, records and any other communications regarding your use of the website. You acknowledge that, for your records, you are able to use the website to retain these communications by printing and/or downloading and saving these Terms and Conditions and any other agreements and electronic communications, documents, or records that you agree to in your use of the website. You accept electronic communications provided via United American Mortgage as reasonable and proper notice, for the purpose of any and all laws, rules, and regulations, and agree that such electronic form fully satisfies any requirement that such communications be provided to you in writing or in a form that you may keep.

How We Can Reach You:

You must promptly notify Us if there is a change in Your email address or in other information needed to contact You electronically. You can contact Us at 562-900-5065 or by sending a letter to Us addressed to Misty Lapham Group, Customer Service Department, 3198-F Airport Loop Drive, Costa Mesa, CA 92626.
We will not assume liability for non-receipt of notification of the availability of eDisclosures in the event Your email address on file is invalid; Your email or Internet service provider filters the notification as “spam” or “junk mail”; there is a malfunction in Your computer, browser, Internet service and/or software; or for other reasons beyond Our control.

Applicable law:

By visiting, you agree that the laws of the State of California, without regard to principles of conflict of laws, will govern these Terms of Use and any dispute of any sort that might arise between you and United American Mortgage or Misty Lapham group. You further agree that any action at law or in equity arising out of or relating to these Terms of Use or this website shall be filed only in the state or federal courts located in Orange County, California, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.


In no event will United American Mortgage (UAMCO) or Misty Lapham Group (MLG) be liable for any direct, indirect, incidental, special, punitive or consequential losses, damages or expenses of any kind whether the claimed damages or losses are based in tort, contract or any other theory of law, arising in any way or in connection with this website or use thereof, including, but not limited to failure of performance, omission, error, defect, interruption, failure to process, delay, computer virus, system failure, even if UAMCO and MLG are made aware of the alleged damages or losses including all third party claims. You agree to indemnify and hold harmless UAMCO and MLG for any and all damages and losses as described above relating to your use of the website.


You acknowledge and agree that these Terms of Use constitute the complete and exclusive agreement between us concerning your use of the website, and supersede and govern all prior proposals, agreements, or other communications;

Nothing contained in these Terms of Use shall be construed as creating any agency, partnership, or other form of joint enterprise between a user and United American Mortgage or Misty Lapham Group. Our failure to require your performance of any provision hereof shall not affect our full right to require such performance at any time thereafter, nor shall our waiver of a breach of any provision hereof be taken or held to be a waiver of the provision itself. In the event that any provision of these Terms of Use shall be unenforceable or invalid under any applicable law or be so held by any applicable arbitral award or court decision, such unenforceability or invalidity shall not render these Terms of Use unenforceable or invalid as a whole but these Terms of Use shall be modified, to the extent possible, by the adjudicating entity to most fully reflect the original intent of the parties as reflected in the original provision and with the remaining terms remaining enforceable and binding upon all users.


Terms and Conditions were last updated 10/31/2019. Please check periodically for changes.