Privacy Policy

GT Home Lending, operated by Pinnago Home Loans LLC (NMLS# 2832362) ("GT Home Lending," "we," "us," or "our"), is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website at gthomelending.com, submit a loan inquiry, or communicate with us. Please read this policy carefully. By using our website or submitting any form, you agree to the practices described here.

1. Information We Collect

Information you provide directly: When you complete a contact form, loan inquiry, or application, we may collect:

• Full name, email address, phone number, and mailing address
• Loan type of interest, purchase price or loan amount, property type, and intended use
• Employment status, income type, and general financial situation as you describe it
• Any other information you voluntarily include in a message or form submission

Information collected automatically: When you visit our website, we may automatically collect certain technical information, including your IP address, browser type, device type, pages visited, time spent on pages, and referring URLs. This data is used in aggregate to improve our website experience and does not identify you personally.

Information from your loan application: If you proceed with a mortgage application through our third-party application platform (ARIVE / gthomelending.my1003app.com), that platform collects detailed financial, employment, and identity information governed by its own privacy policy and applicable federal mortgage lending laws, including the Gramm-Leach-Bliley Act (GLBA).

2. How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your inquiry, evaluate your loan options, and provide mortgage origination services
• To contact you by phone, text, or email regarding your inquiry or application status
• To send you information about loan programs, rates, and mortgage-related topics (with your consent)
• To comply with applicable federal and state laws, including mortgage lending regulations and licensing requirements
• To improve our website, services, and communications
• To prevent fraud and protect the security of our systems and users

We do not sell your personal information to third parties for their own marketing purposes.

3. How We Share Your Information

GT Home Lending is a licensed mortgage broker. To process your loan, we work with third-party wholesale lenders who will receive your loan application and supporting documentation. We may also share your information with:

• Wholesale lenders and loan investors — to evaluate and fund your mortgage loan
• Service providers — technology platforms, CRM providers, and communication services used to operate our business (e.g., GoHighLevel, ARIVE), bound by data processing agreements
• Credit reporting agencies — to obtain credit reports as part of the loan origination process
• Government agencies and regulators — as required by law, including the CFPB, Florida Office of Financial Regulation, and NMLS
• Legal and compliance advisors — where necessary to protect our legal rights or comply with legal obligations

We do not sell, rent, or trade your personal information to unaffiliated third parties for marketing purposes.

4. Communications Consent (TCPA)

You may withdraw your consent to receive marketing communications at any time by:

• Replying STOP to any text message
• Clicking the unsubscribe link in any marketing email
• Calling us at 786.251.7525
• Emailing us at [email protected]

Withdrawal of marketing consent does not affect our ability to contact you regarding an active loan application or existing business relationship.

5. Cookies & Website Analytics

Our website may use cookies and similar tracking technologies to improve your browsing experience, remember your preferences, and analyze website traffic. Types of cookies we may use include:

• Essential cookies — necessary for basic website functionality
• Analytics cookies — to understand how visitors interact with our website (e.g., Google Analytics)
• Marketing cookies — to track the effectiveness of our advertising (e.g., Meta Pixel, Google Ads)

You may control cookies through your browser settings. Disabling cookies may affect some website functionality but will not prevent you from using our site.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security of information transmitted to or stored on our systems.

If you believe your information has been compromised, please contact us immediately at [email protected] or 786.251.7525.

7. Your Rights & Choices

Depending on your state of residence, you may have certain rights regarding your personal information, including the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate personal information
• Request deletion of your personal information, subject to our legal retention obligations
• Opt out of marketing communications at any time
• Request information about how your data is shared

To exercise any of these rights, please contact us at [email protected] or 786.251.7525. We will respond to verifiable requests within 30 days. Note that certain information may be retained as required by federal mortgage lending laws (e.g., RESPA, TILA, ECOA) regardless of deletion requests.

Florida residents may have additional rights under the Florida Digital Bill of Rights (FDBR) effective July 1, 2024, where applicable.

8. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will delete it promptly.

9. Affiliated Business Arrangement Disclosure

GT Home Lending (Pinnago Home Loans LLC) may, from time to time, refer clients to affiliated or associated businesses for real estate, title, insurance, or other settlement services. When such a referral arrangement exists, we are required by the Real Estate Settlement Procedures Act (RESPA) to provide you with an Affiliated Business Arrangement (AfBA) disclosure at the time of referral.

You are not required to use any affiliated provider as a condition of your loan approval. You are free to shop for and select any provider of settlement services. Referral arrangements will be disclosed to you separately in writing when applicable.

Note: Specific affiliated business arrangements will be disclosed here and in your loan documentation as relationships are established. Please contact us for current disclosure information.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will post the updated policy on this page with a revised effective date. We encourage you to review this policy periodically. Your continued use of our website after changes are posted constitutes acceptance of the updated policy.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us:

• GT Home Lending (Pinnago Home Loans LLC)
• Attn: Alex Pinacho, Principal Loan Originator
• 1085 NW 62nd Street, Ste 200, Miami, FL 33150
• Phone: 786.251.7525
• Email: [email protected]
• NMLS# 2832362  ·  Alex Pinacho NMLS# 647053

You may also file a complaint with the Florida Office of Financial Regulation or the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov if you believe your privacy rights have been violated.