Terms of Service

By accessing or using our website, submitting a form, communicating with us, or using any services provided by The Mortgage Mechanic, a d/b/a of Gregory Zajaczkowski with Hoot Home Loans LLC ("we," "our," or "us"), you agree to be bound by these Terms of Service. If you do not agree, please discontinue use of our website and services.

1. Acceptance of Terms

By using this website or our services, you acknowledge that you have read, understood, and agree to these Terms of Service and our Privacy Policy.

2. Description of Services

The Mortgage Mechanic provides informational resources, mortgage guidance, prequalification support, and access to mortgage lending options through Hoot Home Loans LLC. Services may include:

• Online forms and mortgage inquiries
• Loan program information
• Prequalification assistance
• SMS and email communication
• Educational content

All services are subject to these Terms.

3. No Guarantee of Loan Approval

Completing a form, receiving information, or speaking with us does not guarantee loan approval, a specific interest rate, or qualification for any lending program. All lending decisions are made by licensed mortgage lenders in accordance with applicable underwriting guidelines.

4. User Responsibilities

By using our website or services, you agree to:

• Provide accurate and truthful information
• Not impersonate another individual
• Not submit fraudulent, harmful, or misleading data
• Not interfere with site performance or security
• Use the website only for lawful purposes

5. Communications & SMS Messaging

By providing your phone number and opting in via our website forms, you consent to receive text messages from The Mortgage Mechanic.

6. Privacy Policy

Your use of our website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

7. Intellectual Property

All content, branding, text, graphics, videos, and materials on this website are the property of The Mortgage Mechanic and Hoot Home Loans LLC and are protected by copyright and trademark law. You may not copy, reproduce, redistribute, or use our branding without permission.

8. Third-Party Services & Links

Our website may include links to third-party services or mortgage lenders. We are not responsible for the content, policies, or actions of third-party websites.

9. Limitation of Liability

To the fullest extent permitted by law, The Mortgage Mechanic is not liable for errors or inaccuracies on the website, delays or failures in communication, third-party lender decisions, losses resulting from reliance on our content, or service interruptions and technical issues. Use of our services is at your own risk.

10. No Professional Financial Advice

All information provided is for educational purposes only and is not legal, tax, investment, or financial advice. Consult qualified professionals for any financial decisions.

11. Changes to Terms

We may update or modify these Terms at any time. Updates will be posted on this page with a revised "Last updated" date. Your continued use of our website after changes means you accept the updated Terms.

12. Governing Law

These Terms are governed by the laws of the State of Florida. Any disputes must be handled in the state or federal courts located in Florida.

13. Contact Information

If you have questions about these Terms, contact us:

The Mortgage Mechanic · Powered by Hoot Home Loans LLC
Email: gzajac@hoothomeloans.com
Phone: (239) 919-6168
Serving Florida, Texas & Arizona