Terms and Conditions

Effective Date: May 12, 2026  |  Last Updated: May 12, 2026

These Terms and Conditions (“Terms”) govern your use of the website goffhousingsolutions.com and any related services, forms, calls, emails, and SMS messages provided by Goff Housing Solutions, LLC (“Goff Housing Solutions,” “we,” “our,” or “us”). By accessing the site or interacting with us, you agree to these Terms. If you do not agree, please discontinue use of the site and any communications from us.

1. About Goff Housing Solutions

Goff Housing Solutions is a reverse mortgage education and origination business serving homeowners aged 62 and older in Alabama, Florida, and Georgia. Loans are originated through our lender partner, Total Media Management LLC dba Worthington Mortgage. Licensing details are provided in Section 11.

2. Eligibility

The reverse mortgage programs we discuss are designed for homeowners who are aged 62 or older and who own a qualifying primary residence in Alabama, Florida, or Georgia. By submitting a form or contacting us, you confirm that you are at least 18 years old and that the information you provide is accurate to the best of your knowledge. Final eligibility for any reverse mortgage program is determined by the lender and applicable federal and state guidelines.

3. Educational Nature of Our Services

The information, content, and communications we provide are for educational and informational purposes only. They are not legal, tax, financial, or investment advice. You should consult a qualified attorney, accountant, financial planner, or HUD-approved housing counselor before making any decision related to a reverse mortgage or your home.

4. No Application or Approval

Submitting a form, requesting information, or speaking with us does not constitute a loan application and does not guarantee that you will qualify for or be approved for any reverse mortgage product. A formal application is required for any loan, and all applications are subject to underwriting, appraisal, title review, and final approval by the lender.

5. Information You Provide

You agree to provide information that is true, accurate, current, and complete. You understand that we may rely on the information you provide to determine preliminary eligibility, prepare for consultations, and route your inquiry to the appropriate licensed professional. Providing false or misleading information may result in delays, denial of service, or other consequences permitted by law.

7. Phone and Email Communication

By providing your phone number and email address, you also consent to be contacted by phone and email regarding your inquiry. You may withdraw consent for these channels at any time by asking us in writing to stop contacting you by that method.

8. Acceptable Use

You agree not to use our website, forms, or messaging channels to:

• Submit false, misleading, or fraudulent information
• Impersonate any person or entity
• Harass, threaten, or abuse Goff Housing Solutions personnel or any other person
• Attempt to gain unauthorized access to any part of our systems
• Use the site or any communication channel for any unlawful purpose

9. Intellectual Property

All content on goffhousingsolutions.com, including text, graphics, logos, video, and the design of the site, is owned by or licensed to Goff Housing Solutions and is protected by United States and international copyright and trademark law. You may not copy, reproduce, distribute, or create derivative works from any part of the site without our prior written permission.

10. Third-Party Services and Links

Our site and messages may reference or link to third-party services such as YouTube videos, scheduling tools, and the originating lender’s systems. We are not responsible for the content, accuracy, or practices of any third-party site or service. Your use of any third-party service is governed by that service’s own terms and privacy policy.

11. NMLS Licensing and Equal Housing

Stanley A. Goff Jr., Licensed Loan Officer, NMLS #294725. Loans originated through Total Media Management LLC dba Worthington Mortgage, NMLS #1018333. Licensed to originate residential mortgage loans in the states of Alabama, Florida, and Georgia. License information may be verified at the NMLS Consumer Access website at www.nmlsconsumeraccess.org. Goff Housing Solutions and Worthington Mortgage are Equal Housing Opportunity Lenders.

12. Reverse Mortgage Disclosures

A reverse mortgage is a loan that uses your home equity as collateral. The loan balance grows over time as interest and fees accrue. A Home Equity Conversion Mortgage (HECM) is a federally insured reverse mortgage program governed by the U.S. Department of Housing and Urban Development (HUD). HUD-approved counseling is required before a HECM application can be completed.

As a reverse mortgage borrower, you remain responsible for paying property taxes, homeowners insurance, any homeowners association fees, and for maintaining the property in accordance with the loan terms. Failure to meet these obligations can result in the loan becoming due and payable. The home must remain your primary residence. When the last borrower no longer occupies the home as a primary residence, the loan becomes due and payable. Heirs may keep the home by paying off the loan balance or refinancing into a traditional mortgage, or they may sell the home to satisfy the balance.

13. Disclaimers and Limitation of Liability

The website and all content, materials, and communications are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the site will be uninterrupted, error free, or free of viruses or other harmful components.

To the fullest extent permitted by law, Goff Housing Solutions, its members, officers, employees, contractors, and service providers will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the website or any communication with us, even if we have been advised of the possibility of such damages. Our total liability for any claim arising out of or related to these Terms will not exceed one hundred dollars ($100).

14. Indemnification

You agree to indemnify and hold harmless Goff Housing Solutions, its members, officers, employees, contractors, and service providers from any claim, loss, liability, or expense, including reasonable attorney fees, arising out of your breach of these Terms, your misuse of the website, or your violation of any law or third-party right.

15. Governing Law and Venue

These Terms are governed by the laws of the State of Alabama, without regard to its conflict of law principles. Any dispute arising out of or related to these Terms or your use of the site will be resolved exclusively in the state or federal courts located in Tuscaloosa County, Alabama, and you consent to the jurisdiction of those courts.

16. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will update the “Last Updated” date at the top of this page. Your continued use of the site or our services after an update means you accept the revised Terms.

17. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect. The unenforceable provision will be modified only to the extent necessary to make it enforceable.

18. Contact Us