Last updated: November 25, 2025
The information provided on this website is for informational and educational purposes only and should not be viewed as financial, legal, or mortgage advice. All content is offered by The Mortgage Mechanic for general guidance and may not apply to your specific financial situation. For personalized guidance, please consult with a licensed mortgage professional.
Submitting a form, inquiry, or application on this website does not guarantee loan approval, preapproval, an interest-rate lock, final loan terms, or a commitment to lend. All loan options are subject to:
A loan is not final until all conditions have been satisfied and underwriting has issued a Clear to Close.
Any rate quotes, APRs, payment scenarios, or loan estimates shown on this website or communicated via email, SMS, or phone are estimates only, not guaranteed, subject to market fluctuations, and dependent on individual borrower qualifications. Rates are only locked when confirmed in writing. The payment calculator on this website is an illustrative estimate and does not constitute a loan approval, rate lock, or commitment to lend.
Although The Mortgage Mechanic makes every effort to keep information current, we do not guarantee accuracy, completeness, timeliness, or reliability. Any errors or omissions are unintentional.
Our website may include mortgage calculators, affordability tools, payment estimators, and links to third-party websites. These resources are for convenience only. The Mortgage Mechanic is not responsible for the content, accuracy, or privacy practices of third-party platforms. Use these tools at your own discretion.
Nothing on this site should be interpreted as legal, tax, investment, or financial-planning advice. Consult qualified professionals before making financial decisions.
The Mortgage Mechanic is an Equal Housing Opportunity provider. We do not discriminate based on race, color, religion, sex, disability, familial status, national origin, age, marital status, sexual orientation, gender identity, or military/veteran status.
The Mortgage Mechanic operates through Hoot Home Loans LLC in accordance with:
Gregory Zajaczkowski, Mortgage Loan Originator, NMLS #2757838.
Hoot Home Loans LLC: Company NMLS #2532931.
Licensed to originate mortgage loans in Florida, Texas & Arizona.
The Mortgage Mechanic · Powered by Hoot Home Loans LLC
Email: gzajac@hoothomeloans.com
Phone: (239) 919-6168
Website: mortgagemechanicswfl.com
