Terms of Service

Agreement to Terms

These Terms of Service ("Terms") govern your use of the website operated by Keithgo LLC doing business as Keith Goeringer Lending Team ("we," "our," or "us"). By accessing or using our website and services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

Services Description

We provide mortgage lending services, including but not limited to:

• Residential mortgage loan origination and processing
• Loan pre-qualification and pre-approval services
• Refinancing consultation and services
• Educational resources and mortgage calculators
• Consultation and guidance throughout the home buying process

Keith Goeringer is a licensed mortgage loan originator (NMLS #488023) operating under Hoot Home Loans in Tennessee and Maryland.

Not an Offer to Lend

The information provided on this website does not constitute an offer to enter into a loan agreement. All loan applications are subject to credit approval, property appraisal, and verification of information. Interest rates, programs, and terms are subject to change without notice. Not all applicants will qualify for all programs or loan amounts.

User Responsibilities

When using our services, you agree to:

• Provide accurate, complete, and current information
• Maintain the confidentiality of any account credentials
• Notify us immediately of any unauthorized access
• Use our services only for lawful purposes
• Not attempt to interfere with the proper functioning of our website
• Not transmit any viruses, malware, or harmful code

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Keithgo LLC or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy. We collect, use, and protect your personal information in accordance with applicable privacy laws and regulations, including the Gramm-Leach-Bliley Act (GLBA) and state privacy laws.

Disclaimers and Limitations of Liability

No Warranty

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or secure.

Limitation of Liability

To the fullest extent permitted by law, Keithgo LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services, even if we have been advised of the possibility of such damages.

Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by us. We are not responsible for the content, privacy policies, or practices of any third-party sites. You acknowledge and agree that we shall not be liable for any damage or loss caused by your use of any third-party content or services.

Regulatory Compliance

Our mortgage lending services are subject to federal and state regulations, including:

• Truth in Lending Act (TILA)
• Real Estate Settlement Procedures Act (RESPA)
• Equal Credit Opportunity Act (ECOA)
• Fair Housing Act
• Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act)

We are committed to complying with all applicable laws and regulations governing mortgage lending practices.

Indemnification

You agree to indemnify, defend, and hold harmless Keithgo LLC, its officers, employees, and agents from any claims, liabilities, damages, losses, or expenses arising out of your use of our services, violation of these Terms, or infringement of any third-party rights.

Termination

We reserve the right to terminate or suspend your access to our services at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason in our sole discretion.

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last Updated" date. Your continued use of our services after such changes constitutes your acceptance of the new Terms.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

Contact Information

If you have questions about these Terms of Service, please contact us: