Licensing information, affiliated business arrangements, equal housing notices, and other required regulatory disclosures for GT Home Lending (Pinnago Home Loans LLC).
GT Home Lending is a trade name of Pinnago Home Loans LLC, a Florida limited liability company licensed as a Mortgage Broker by the Florida Office of Financial Regulation (OFR).
Company Information
Principal Loan Originator
Licensing information can be verified through the NMLS Consumer Access portal at www.nmlsconsumeraccess.org. GT Home Lending operates as a mortgage broker and does not fund loans directly. All mortgage loans are originated through contractual agreements with licensed wholesale lenders.
Verify our license: Consumers may verify our license status, disciplinary history, and other licensing information by visiting the NMLS Consumer Access website at www.nmlsconsumeraccess.org or by contacting the Florida Office of Financial Regulation at 850-487-9687.
Nothing on this website, in any communication from GT Home Lending, or in any pre-qualification or pre-approval letter constitutes a commitment, guarantee, or promise to make a mortgage loan. All information provided is for educational and informational purposes only.
All loan applications are subject to:
Interest rates, loan programs, fees, and terms quoted verbally, in writing, or on this website are subject to change without notice and may not be available at the time of loan application, lock, or closing. A loan estimate will be provided within three (3) business days of a complete loan application as required by the Truth in Lending Act (TILA) and RESPA.
GT Home Lending is an Equal Housing Opportunity lender. We do not discriminate based on race, color, religion, national origin, sex, disability, familial status, sexual orientation, gender identity, marital status, source of income, or any other characteristic protected under applicable federal, state, or local law.
Our lending decisions are made solely on the basis of creditworthiness and program eligibility criteria established by the lender and applicable law. We are committed to compliance with:
If you believe you have been subject to discriminatory treatment in connection with a mortgage application, you may file a complaint with the U.S. Department of Housing and Urban Development (HUD) at 1-800-669-9777 or online at www.hud.gov/fairhousing.
Equal Housing Opportunity
We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.
Interest rates and Annual Percentage Rates (APRs) displayed on this website, in marketing materials, or communicated verbally are for illustrative and informational purposes only. They do not represent a rate lock, a guaranteed rate, or a commitment to lend.
Actual interest rates and APRs will depend on:
The APR includes the interest rate plus certain fees and costs associated with the loan. A formal Loan Estimate (LE) will be provided within three (3) business days of a complete loan application and will disclose all costs, rates, and terms as required by federal law. Rates shown are based on a borrower with excellent credit, standard documentation, and an owner-occupied single-family residence unless otherwise noted.
GT Home Lending collects nonpublic personal information about you to process your mortgage application and fulfill our legal obligations. This includes information you provide directly (application data, income documentation, identification) and information we obtain from third parties (credit reports, appraisals, verification services).
We do not sell your personal information to third parties. We share your information only as necessary to process your loan, as required by law, or as permitted under our full Privacy Policy. Our information-sharing practices are governed by the Gramm-Leach-Bliley Act (GLBA) and applicable Florida privacy law.
You have the right to opt out of certain information sharing. To review our complete privacy practices, including how to exercise your rights, please see our Privacy Policy.
By submitting a contact form, loan inquiry, or application on this website or through any GT Home Lending communication channel, you expressly consent to receive calls, text messages (including autodialed and prerecorded messages), and emails from Pinnago Home Loans LLC (GT Home Lending), its loan officers, and its authorized service providers at the phone number(s) and email address(es) you provide, regarding mortgage products, services, and your inquiry.
This consent is not a condition of purchase or loan approval. You may revoke consent at any time by:
Message and data rates may apply. Message frequency varies based on your inquiry and loan status. For help, reply HELP to any text message.
The Real Estate Settlement Procedures Act (RESPA) requires mortgage brokers and lenders to provide certain disclosures about the costs and nature of the real estate settlement process. GT Home Lending complies with all RESPA disclosure requirements, including:
RESPA prohibits the payment of kickbacks, referral fees, or unearned fees in connection with mortgage transactions. If you believe a RESPA violation has occurred, you may contact the Consumer Financial Protection Bureau (CFPB) at 1-855-411-2372 or www.consumerfinance.gov.
GT Home Lending is committed to resolving all customer concerns promptly and fairly. If you have a complaint or concern about our services, please contact us first:
If your concern is not resolved to your satisfaction, you may also contact the following regulatory agencies:
We're happy to explain any disclosure or regulatory requirement in plain language. Contact Alex Pinacho directly.