Effective Date: May 12, 2026  |  Last Updated: October 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 provides education, information and assistance about housing and mortgage options, including FHA-insured HECMs and proprietary reverse mortgages. Mortgage loans are originated through Total Media Management LLC d/b/a Worthington Mortgage, NMLS #1018333.

2. Eligibility

We provide education and information to homeowners exploring reverse mortgage and related mortgage options. 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 loan eligibility is determined by the originating lender under the selected program’s requirements and applicable federal and state law.

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. Consult appropriate qualified legal, tax or financial professionals for advice about your circumstances. HECM counseling is provided by HUD-approved agencies; counseling requirements for proprietary products depend on the program and applicable law.

4. No Application or Approval

Submitting a website inquiry or requesting educational information through Goff Housing Solutions does not by itself constitute a loan application and does not guarantee qualification or approval. A formal mortgage application is handled through the originating lender and is subject to applicable program requirements, underwriting, appraisal, title review and final approval.

5. Information You Provide

You agree to provide information that is true, accurate, current, and complete. Goff Housing Solutions may review information provided through an inquiry to help explain potential options and scenarios. Any preliminary discussion is educational and does not constitute an underwriting or approval decision. Final eligibility is determined by the originating lender under the selected program’s requirements. 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

Stan Goff, NMLS #294725, is a Licensed Loan Officer. Mortgage loans are originated through Total Media Management LLC d/b/a Worthington Mortgage, NMLS #1018333, an Equal Housing Opportunity Lender. Licensing information may be verified through NMLS Consumer Access.

12. Reverse Mortgage Disclosures

Reverse mortgages include FHA-insured Home Equity Conversion Mortgages (HECMs) and private proprietary programs. HECMs follow HUD requirements; proprietary eligibility, limits, features and protections vary by lender and program. Reverse mortgage balances generally grow as interest and applicable fees accrue. Borrowers must meet applicable property-charge, maintenance and occupancy obligations. Failure to meet loan obligations may cause repayment to become due. Repayment events, spouse protections and heirs’ options depend on the program, loan documents and applicable law.

HECMs generally require independent HUD-approved counseling; qualifying HECM refinances may meet waiver conditions. Proprietary counseling requirements vary by program and applicable law.

A sale, death, specified occupancy change or failure to meet obligations may trigger repayment, subject to applicable co-borrower and spouse protections. The servicer should be contacted promptly to understand repayment options and deadlines.

When repayment is triggered, heirs or the estate should contact the loan servicer promptly to understand applicable payoff requirements, deadlines, extensions and available options. HECM heirs’ options and non-recourse protections follow FHA requirements; proprietary provisions depend on the loan documents, program and applicable law.

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