Privacy Policy

This Privacy Policy explains how Gene Richter, a Mortgage Loan Originator (NMLS #2806488) operating through PBT Bancorp (NMLS #257781), collects and uses information you provide through go-valoan.com (the “Site”), including the VA Loan Estimate Calculator. By using this Site or submitting a form, you consent to the practices described here.

Information We Collect

When you submit a contact or pre-qualification form, we collect the information you provide, which may include:

• Your name, email address, and phone number
• Loan purpose and military service details (such as branch, pay grade, and years of service)
• Records of your consent (including a timestamp and the consent language shown)

The Site's VA Loan Estimate Calculator additionally collects financial figures you choose to enter — such as monthly income, co-borrower income, monthly debts, and a desired loan amount — to generate your on-screen entitlement and debt-to-income estimate. We use these figures only to prepare that estimate and to follow up on your inquiry.

We do not collect Social Security numbers or property addresses through this Site's forms or calculator. Any information required for a formal loan application is collected separately through a secure application system.

How We Use Your Information

• To respond to your inquiry and contact you about VA loan financing
• To generate the estimates the calculator displays and follow up on them
• To comply with legal, regulatory, and recordkeeping obligations

How We Share Your Information

We share your information with PBT Bancorp and, as needed, with VA-approved wholesale lenders and service providers involved in evaluating or processing your inquiry. We do not sell your personal information. We may disclose information when required by law or to protect our legal rights.

Communications Consent

If you provide your phone number and consent, you agree to receive calls, texts, and emails from Gene Richter and PBT Bancorp regarding your inquiry, including via automated systems. Message and data rates may apply. Consent is not a condition of any purchase or loan application. You may opt out at any time by replying STOP to texts, or by contacting us at grichter@pbtbmortgage.com or (719) 722-4278.

Cookies & Analytics

The Site may use cookies and similar technologies to understand how visitors use the Site and to improve it. You can control cookies through your browser settings.

Data Security

We use reasonable administrative and technical safeguards to protect the information you submit. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

Your Choices

You may request that we correct or delete the contact information you submitted by emailing grichter@pbtbmortgage.com. Certain records may be retained where required by law or for legitimate business purposes.

Contact Us

Questions about this policy? Contact Gene Richter at grichter@pbtbmortgage.com or (719) 722-4278.