Privacy Policy
Contents
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 information may identify a device or browser and may be linked with other information. We use it to operate, secure, analyze, and improve the website, subject to applicable law and our service-provider settings.
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).
Sensitive documents: Please do not submit sensitive mortgage documents (e.g., tax returns, bank statements, pay stubs, identification, or other financial documentation) through our general website contact form. Sensitive mortgage documents should be submitted only through the secure ARIVE application portal.
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 that support website hosting, CRM, communications, scheduling, analytics, secure loan-application functions, and related business operations, subject to applicable contracts and law
- 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)
Where a form on this website includes a communications consent checkbox, the checkbox language reads: "By checking this box, I consent to receive calls, text messages, including messages sent using automated technology, and emails from Pinnago Home Loans LLC dba GT Home Lending about my inquiry. Consent is not a condition of obtaining credit. Message and data rates may apply. Message frequency varies. Reply STOP to opt out and HELP for help. See the Privacy Policy and Terms of Use." Consent is obtained by affirmatively checking this box — submitting a form alone, without checking the box, does not create this communications consent.
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
- Marketing cookies — to track the effectiveness of our advertising, if and when such tools are deployed
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 the time required by applicable law and our record-retention obligations. 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. 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.
10. 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.