Accessibility Statement

Our Commitment

GT Home Lending (Pinnago Home Loans LLC) is committed to ensuring that our website and digital communications are accessible to all users, including individuals with visual, auditory, physical, speech, cognitive, and neurological disabilities.

We believe that access to mortgage information and financial services should not be limited by disability. Every prospective borrower deserves equal access to the information, tools, and services we provide — whether through our website, by phone, by email, or in person at our Miami office.

This accessibility statement applies to the website located at gthomelending.com and all subpages thereof.

Accessibility Standards

GT Home Lending aims to conform to the Web Content Accessibility Guidelines (WCAG) 2.2 at Level AA, published by the World Wide Web Consortium (W3C). These guidelines describe how to make web content more accessible to people with disabilities under four core principles:

• Perceivable: Information and user interface components must be presentable to users in ways they can perceive — including text alternatives for images, captions for video, and sufficient color contrast.
• Operable: User interface components and navigation must be operable — including full keyboard accessibility and no content that causes seizures.
• Understandable: Information and operation of the user interface must be understandable — including readable text, predictable navigation, and input assistance for forms.
• Robust: Content must be robust enough to be reliably interpreted by assistive technologies — including current and future screen readers and browsers.

We also voluntarily reference Section 508 of the Rehabilitation Act of 1973 (as amended) as an additional benchmark, though it applies by law to federal agencies and federal contractors rather than to private mortgage brokerages, alongside applicable requirements under the Americans with Disabilities Act (ADA), including recent court decisions regarding website accessibility obligations.

Conformance Status

GT Home Lending is working toward WCAG 2.2 Level AA and does not claim full conformance at this time. We are actively identifying and remediating accessibility gaps across the website on an ongoing basis.

Accessibility Features

The gthomelending.com website incorporates the following accessibility measures, and we continue to work toward broader and more consistent coverage across all pages:

• Semantic HTML: Pages use heading hierarchy and landmark elements (nav, main, footer, section) to support screen reader navigation.
• Color contrast: We are reviewing text and UI elements against WCAG 2.2 AA contrast ratios (minimum 4.5:1 for normal text, 3:1 for large text) and correcting gaps as they are identified.
• Keyboard navigation: Core navigation menus and buttons are being reviewed for keyboard accessibility; not all interactive elements have been verified yet.
• Focus indicators: Visible focus states are being added across interactive elements for keyboard and assistive technology users.
• Text alternatives: We aim for decorative images to use empty alt attributes and meaningful images to include descriptive alt text, and are auditing pages for gaps.
• Form labels: We are working to ensure all form fields have associated labels rather than relying on placeholder text alone.
• Responsive design: Content is generally designed to reflow for users who zoom and on mobile devices.
• Language attribute: The lang="en" attribute is declared on pages to support screen reader language detection.
• Skip navigation: A skip-to-content link is being added to pages to allow assistive technologies to navigate directly to main content.
• No auto-play media: No audio or video content plays automatically without user initiation.

Known Limitations

Despite our best efforts, some areas of our website may not be fully accessible. We are aware of the following limitations and are working to address them:

• Third-party booking widget: The appointment scheduling tool (GoHighLevel/LeadConnector) is provided by a third party. Its accessibility is dependent on the vendor's implementation. If you experience difficulty, please call us directly at 786.251.7525 to schedule a consultation.
• Embedded video content: Videos hosted on YouTube or other third-party platforms may not provide full closed captioning or audio description. We request captions on all new video content.
• PDF documents: Any PDF documents linked from this website may not be fully tagged for accessibility. Upon request, we will provide an accessible alternative format.
• Complex financial tables: Some program comparison tables may not fully convey their structure via screen readers. We are working to improve data table markup.

Feedback & Contact

We welcome your feedback on the accessibility of gthomelending.com. If you experience any accessibility barriers, need content in an alternative format, or require human assistance to access any information on our website, please contact us through any of the following channels:

When contacting us about an accessibility issue, please include:

• The URL of the page where you encountered the issue
• A description of the barrier or difficulty you experienced
• The assistive technology or browser you were using (if known)
• Your preferred contact method and alternative format (if applicable)

Enforcement & Escalation

If you are not satisfied with our response to your accessibility concern, you may escalate the matter to the following authorities:

• U.S. Department of Justice (DOJ), ADA Division: 1-800-514-0301 (voice) · 1-800-514-0383 (TTY) · www.ada.gov
• Consumer Financial Protection Bureau (CFPB): 1-855-411-2372 · www.consumerfinance.gov/complaint
• U.S. Department of Housing and Urban Development (HUD), Fair Housing: 1-800-669-9777 · www.hud.gov/fairhousing

GT Home Lending prohibits retaliation against any person who exercises rights protected under the ADA or who assists another person in doing so. Filing a complaint or requesting an accommodation will not affect your mortgage application or any business relationship with us.

Formal Complaints

If you wish to file a formal accessibility complaint with GT Home Lending, you may do so in writing by emailing [email protected] with the subject line "Formal ADA Accessibility Complaint" or by mailing a written complaint to our address at 1085 NW 62nd Street, Ste 200, Miami, FL 33150.

Formal complaints will be acknowledged and investigated within a reasonable time. We will notify you in writing of the outcome and any corrective actions taken.

This formal complaint process is separate from and does not replace any rights you may have to file a complaint with a government agency as described in Section 7 above.