Terms and Conditions

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Terms and Conditions

These terms govern your use of thehomeloanspecialist.com and your communications with The Home Loan Specialist, the mortgage practice of Gregg Pomeroy, Sr. Loan Officer, NMLS# 30461, at New England Lending, a branch of Novus Home Mortgage.

No commitment and no approval

Nothing on this site or in our messages is a loan approval, a commitment to lend, or a rate lock. Any rate or payment figure we discuss is an estimate based on the information you give us, is subject to change, and is subject to a complete application, verification, and underwriting.

Text messaging terms

By providing your mobile number and agreeing to receive texts, you consent to receive text messages from The Home Loan Specialist at that number about your inquiry and your appointments. These may include appointment confirmations, appointment reminders, and links you asked us to send.

- Message frequency varies.

- Message and data rates may apply.

- Reply HELP for help, or STOP to cancel at any time.

- Carriers are not liable for delayed or undelivered messages.

- Consent is not a condition of any loan, service, or purchase.

Calls

Calls to our published business line, 203-299-2034, are answered by an automated assistant and may be recorded. If you prefer not to be recorded, ask to speak with a person or end the call.

Accuracy of information

You agree that information you provide is accurate to the best of your knowledge. We rely on it when we discuss options with you.

Licensing and disclosures

Gregg Pomeroy, NMLS# 30461. Member FDIC. Equal Housing Lender. Novus Home Mortgage is a division of Ixonia Bank, NMLS #423065.

Changes

We may update these terms. The version posted here at the time of your use applies.

Contact

The Home Loan Specialist, 707 Main St, Branford, CT 06405. Phone (203) 299-2034. Email gregg@thehomeloanspecialist.com.

Last updated: October 30, 2026