Terms of Service
Last Updated: January 18, 2026
Agreement to Terms
By accessing or using the website joellpimentel.com ("Site") and the mortgage loan origination services provided by Joell Pimentel ("we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Site or services.
Services Description
Joell Pimentel provides mortgage loan origination services, including but not limited to:
- Mortgage loan consultation and guidance
- Pre-approval assistance
- Loan application processing
- Educational resources about mortgage products (Conventional, FHA, VA, USDA, DSCR, ITIN, Jumbo loans)
- Mortgage calculators and tools
Services are provided in English and Spanish to clients in Florida, Georgia, North Carolina, and South Carolina.
User Responsibilities
When using our Site and services, you agree to:
- Provide accurate and truthful information in all forms and communications
- Not misrepresent your identity or qualifications
- Use the Site only for lawful purposes
- Not attempt to interfere with the proper functioning of the Site
- Promptly notify us of any changes to your contact information
SMS/Text Message Terms
If you opt in to receive text messages from us:
- Opt-In: Text messaging is completely optional. By checking the SMS consent box on our forms, you consent to receive text messages regarding your mortgage inquiry.
- Message Frequency: Message frequency varies. We send messages related to your loan inquiry and status updates, not promotional spam.
- Message and Data Rates: Standard message and data rates may apply based on your mobile carrier's plan.
- Opt-Out: Reply STOP at any time to unsubscribe from text messages. You will receive a confirmation of your opt-out.
- Help: Reply HELP for assistance.
Consent to receive text messages is not required to obtain mortgage services.
Loan Approval Disclaimer
Important: The information provided on this Site is for educational and informational purposes only and does not constitute a loan commitment or guarantee of approval.
- All loans are subject to credit approval, property eligibility, and program guidelines
- Pre-approval is not a guarantee of final loan approval
- Interest rates, terms, and programs are subject to change without notice
- Calculator results are estimates only and may not reflect actual loan terms
- Final loan terms will be provided in your loan estimate and closing disclosure
Intellectual Property
All content on this Site, including text, graphics, logos, images, and software, is the property of Joell Pimentel or its content suppliers and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without prior written permission.
Third-Party Links
Our Site may contain links to third-party websites, including loan application portals. We are not responsible for the content, privacy policies, or practices of third-party sites. We encourage you to review the terms and privacy policies of any third-party sites you visit.
Limitation of Liability
To the maximum extent permitted by law, Joell Pimentel shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or services. Our liability for any direct damages shall be limited to the amount of fees paid by you for services, if any.
Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these terms shall be resolved in the courts located in the State of Florida.
Changes to Terms
We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Your continued use of the Site after any changes constitutes acceptance of the new terms. We encourage you to review these terms periodically.
Contact Us
If you have questions about these Terms of Service, please contact us: