Terms of Use

These Terms of Use govern your access to and use of go-valoan.com (the “Site”), operated by Gene Richter, a Mortgage Loan Originator (NMLS #2806488) working through PBT Bancorp (NMLS #257781). By using the Site, you agree to these terms.

Informational Purpose Only

Content on this Site is provided for general informational and educational purposes about the VA home loan benefit. It does not constitute financial, legal, or tax advice, a loan offer, an approval, a commitment to lend, or a rate quote. Gene Richter is a mortgage loan originator, not a lender; loans are originated and submitted through PBT Bancorp to VA-approved wholesale lenders who make all credit and funding decisions.

Not a Government Site

This Site is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency. It is a privately operated site providing general information about VA loan eligibility.

Calculators & Estimates

The calculators and estimate tools on this Site, including the VA Loan Estimate Calculator, produce illustrative estimates based on the figures you enter. They do not reflect your actual entitlement, rate, payment, or terms, which depend on your credit, service history, the property, and the lender. Do not rely on these estimates for financial decisions without confirming figures directly with Gene.

No Guarantee of Eligibility

Nothing on this Site guarantees that you will qualify for a VA loan or any specific rate or amount. All loans are subject to credit approval, income and asset verification, and property appraisal.

Third-Party Links

The Site links to third-party websites, including the online loan application system and Finance with Gene. We are not responsible for the content, accuracy, or privacy practices of third-party sites.

Intellectual Property

The content, design, and branding of this Site are the property of Gene Richter or used with permission and may not be copied or reused without authorization.

Equal Housing Opportunity

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation.

Limitation of Liability

The Site is provided “as is” without warranties of any kind. To the fullest extent permitted by law, Gene Richter and PBT Bancorp are not liable for any damages arising from your use of the Site or reliance on its content.

Changes to These Terms

We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

Contact

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