Disclosures & Disclaimers
Effective date: 6/3/2026 · Last updated: 6/4/2026
Contents
1. Our role: not a lender
Tiny Home Lender is a service of LendTech Pro LLC and Zook Cabins LLC that provides information and helps connect customers with third-party lending partners for park model and tiny home financing. We are not a lender, mortgage broker, or financial institution, and we do not make credit decisions or set rates or terms. All financing is offered and underwritten by independent third-party lenders.
2. No guarantee of approval, rates, or terms
Submitting a request does not guarantee that you will be approved for financing or receive any particular rate, amount, or term. All financing is subject to the lender's review, income and identity verification, creditworthiness, collateral, and approval. Advertised amounts (such as "up to $200,000") represent maximums available to qualified applicants for certain programs and are not offers of credit to any individual.
3. Payment estimate vs. pre-approval
The payment estimator and the loan options it shows are preliminary only. Seeing a product you may be eligible to apply for is not a pre-approval, commitment, or guarantee of financing. Your lender must separately take your application and review it before any credit decision.
4. Credit inquiries
Using the payment estimator on this Site does not, by itself, result in any credit inquiry. Most of our lending partners then begin with a soft credit inquiry, which does not affect your credit score, and a hard credit inquiry occurs only after you accept an offer and finalize your loan. The Luminate Bank chattel loan is an exception — it requires a hard credit inquiry in order to apply. Any credit inquiry is governed by that lender's disclosures and your authorization.
5. Payment estimator disclaimer
The payment estimator is provided for general illustration only. Estimated payments and rates are hypothetical, are based on the figures you enter and on assumptions that may not apply to you, and do not reflect any actual offer of credit. Actual rates, payments, fees, and terms are determined by the lender and depend on your creditworthiness and other factors. The estimator does not include taxes, insurance, or any other possible fees.
6. Equal Credit Opportunity
Our lending partners are committed to providing credit to all creditworthy applicants. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), because all or part of the applicant's income derives from a public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
7. Geographic availability
Financing programs are not available in all states and may vary by location. Certain programs are not offered to residents of certain states (for example, primary-residence-based financing is not available in New York or Massachusetts). Availability is subject to change.
8. Third-party lending partners
Financing may be provided by partners including Thrive Financial and Pure Finance; for chattel loans secured by the park model, Luminate Bank; and for home equity lines of credit secured by a home you already own, Figure Lending. Each lender is an independent company responsible for its own products, rates, terms, disclosures, and decisions. We do not receive compensation from the lenders.
9. Home equity products
Home equity lines of credit are secured by your home. You could lose your home if you fail to repay. Maximum loan-to-value ratios, amounts, and terms depend on borrower eligibility and are set by the applicable lender. Unlike our other programs, funds from a home equity line are paid directly to you rather than to Zook Cabins.
10. Advertising disclaimer
Content on this Site is for marketing and informational purposes and is not an offer or solicitation where prohibited. Product names, rates, and terms are subject to change without notice. In the event of a conflict between this Site and a lender's official documents, the lender's documents control.
11. Contact
LendTech Pro LLC & Zook Cabins LLC
5181 Lincoln Hwy, Gap, PA 17527
Email: info@tinyhomelender.com
Phone: (610) 595-4650