Disclosures & Legal Notices

Licensing & Registration

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

• Legal Name: Pinnago Home Loans LLC
• Trade Name: GT Home Lending
• NMLS# 2832362
• Florida Mortgage Broker License
• Principal Address: 1085 NW 62nd Street, Ste 200, Miami, FL 33150
• Phone: 786.251.7525
• Email: [email protected]

Principal Loan Originator

• Alex Pinacho, Mortgage Loan Originator
• NMLS# 647053
• Licensed in the State of Florida

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.

Not a Commitment to Lend

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:

• Full underwriting review and credit approval by the wholesale lender
• Satisfactory property appraisal and title review
• Verification of income, assets, employment, and all qualifying information
• Program eligibility at time of funding
• Lender guidelines in effect at the time of loan approval
• Applicable federal, state, and local regulations

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. The creditor is responsible for the Loan Estimate and Closing Disclosure required under the Truth in Lending Act (TILA) and RESPA. A mortgage broker may deliver the Loan Estimate on the creditor's behalf when permitted under Regulation Z; the creditor or settlement agent provides the Closing Disclosure as allowed by applicable law.

Equal Housing Opportunity

GT Home Lending supports Equal Housing Opportunity as an Equal Housing Opportunity mortgage brokerage. 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.

GT Home Lending does not discriminate in providing mortgage brokerage services. Credit decisions are made by third-party lenders using lawful underwriting criteria. We are committed to compliance with:

• The Fair Housing Act (42 U.S.C. § 3601 et seq.)
• The Equal Credit Opportunity Act (ECOA) and Regulation B
• The Home Mortgage Disclosure Act (HMDA)
• Florida Fair Housing Act (Chapter 760, Florida Statutes)

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.

Rate & APR Disclosures

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:

• Credit score and credit history
• Loan-to-value (LTV) ratio and down payment amount
• Loan amount, loan type, and loan term
• Property type, occupancy, and location
• Income documentation type (full doc, bank statement, DSCR, etc.)
• Prevailing market conditions at the time of rate lock
• Points and fees elected by the borrower

The APR includes the interest rate plus certain fees and costs associated with the loan. The creditor is responsible for the formal Loan Estimate (LE) required within three (3) business days of a complete loan application; a mortgage broker may deliver the Loan Estimate on the creditor's behalf when permitted under Regulation Z. Rates shown are based on a borrower with excellent credit, standard documentation, and an owner-occupied single-family residence unless otherwise noted.

Privacy Notice Summary

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.

TCPA Communication Consent

Where a form on this website includes a TCPA consent checkbox, checking that box is how you expressly consent to receive calls, text messages (including messages sent using automated technology), 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. Submitting a form alone, without checking the consent box, does not create this communications consent.

This consent is not a condition of purchase or loan approval. You may revoke consent at any time by:

• Replying STOP to any text message
• Clicking Unsubscribe in any email
• Calling us at 786.251.7525 and requesting removal
• Emailing [email protected] with "OPT OUT" in the subject line

Message and data rates may apply. Message frequency varies based on your inquiry and loan status. For help, reply HELP to any text message.

RESPA Notice

The Real Estate Settlement Procedures Act (RESPA) requires disclosures about the costs and nature of the real estate settlement process. The creditor is responsible for the Loan Estimate and Closing Disclosure. As a mortgage broker, GT Home Lending may assist with information collection and coordination and may deliver the Loan Estimate on the creditor's behalf when permitted under Regulation Z, but the creditor or settlement agent — not GT Home Lending — is responsible for providing the following disclosures:

• Loan Estimate (LE): The creditor is responsible for this disclosure, provided within 3 business days of a complete loan application and detailing estimated loan terms, projected payments, and closing costs. A mortgage broker may deliver it on the creditor's behalf when permitted.
• Closing Disclosure (CD): Provided by the creditor or settlement/closing agent at least 3 business days before closing, as allowed by applicable law, detailing final loan terms and closing costs.
• Servicing Disclosure: Notice of whether the lender intends to service your loan or transfer it to another entity.

A settlement statement may also apply to certain transactions outside TRID, such as some reverse mortgage or HELOC transactions.

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.

Complaints & Regulatory Contacts

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:

• Phone: 786.251.7525
• Email: [email protected]
• Mail: 1085 NW 62nd Street, Ste 200, Miami, FL 33150

If your concern is not resolved to your satisfaction, you may also contact the following regulatory agencies:

• Florida Office of Financial Regulation (OFR): 850-487-9687 · www.flofr.gov
• Consumer Financial Protection Bureau (CFPB): 1-855-411-2372 · www.consumerfinance.gov/complaint
• U.S. Department of Housing and Urban Development (HUD): 1-800-669-9777 · www.hud.gov
• NMLS Consumer Access: www.nmlsconsumeraccess.org