Terms & Conditions

Last Updated: September 27, 2026

These Terms & Conditions govern your use of this website and communications with Damian Garbiras and Texana Bank through this website.

By using this website, you acknowledge these Terms & Conditions. If you do not agree with these terms, please discontinue use of the website.

1. Website Purpose

This website provides general information regarding mortgage and home financing services offered through Damian Garbiras and Texana Bank.

Information provided on this website is for general informational purposes and should not be interpreted as a commitment to lend, loan approval, or a guarantee of any particular mortgage product, interest rate, payment, savings, eligibility, or loan terms.

Mortgage products, programs, terms, and eligibility are subject to applicable requirements and may change.

2. Mortgage Inquiries and Applications

Submitting a contact form, requesting information, scheduling a consultation, or communicating with us does not constitute a mortgage application or guarantee financing.

When you are ready to submit a mortgage application, you may be directed to a designated secure application portal.

Loan approval and terms are subject to applicable underwriting, verification, program requirements, and other applicable conditions.

3. SMS Messaging Program

When you separately opt in to receive SMS messages from Texana Bank / Damian Garbiras, you may receive text messages related to the category of communications for which you provided consent.

Depending on the consent you provide, messages may include communications concerning your mortgage inquiry, requested information, appointment or consultation communications, service updates, follow-up communications, and, where separately authorized, marketing or promotional communications.

Message frequency may vary. Message and data rates may apply.

Consent to receive text messages is not a condition of obtaining mortgage services.

4. SMS Opt-Out

You may opt out of SMS communications at any time by replying STOP to any text message you receive from us.

After you submit an opt-out request, you may receive a final message confirming that you have been unsubscribed. After that, no further messages will be sent under the applicable SMS program unless you subsequently provide new consent where permitted.

5. SMS Help

For assistance with text messaging, reply HELP to any message or contact Damian Garbiras at +1 865-999-0984.

6. SMS Delivery and Carrier Disclaimer

Wireless carriers are not responsible for the content of messages sent through this program.

Carriers are not liable for any delayed or undelivered messages.

Message delivery is subject to effective transmission by your wireless service provider and network availability.

7. SMS Privacy

Your privacy is important to us.

Mobile information and SMS opt-in data and consent will not be shared with third parties or affiliates for their marketing or promotional purposes.

For additional information regarding how we collect, use, and protect personal information, please review our Privacy Policy at:

https://knoxlendinggroup.com/privacy-policy

8. User Responsibilities

You agree to provide accurate information when submitting forms or communicating through this website.

You should not use this website to submit fraudulent, unlawful, misleading, or unauthorized information.

If you provide a telephone number, you represent that you are authorized to provide that number for the purposes for which you submit it.

9. Website Availability and Information

We make reasonable efforts to maintain accurate and current website information. However, mortgage products, program requirements, market conditions, and other information may change.

We do not guarantee that this website will always be available, uninterrupted, or error-free.

10. Third-Party Services and Links

This website may provide links to third-party websites, platforms, or services, including a secure mortgage application portal.

Third-party websites are governed by their own terms, privacy policies, and security practices. We are not responsible for third-party website content or practices except as otherwise required by applicable law.

11. Intellectual Property

Unless otherwise stated, the website content, branding, text, graphics, and other materials are owned by or licensed to their respective owners and are protected by applicable intellectual property laws.

Website content may not be copied, reproduced, distributed, or used for unauthorized commercial purposes without appropriate permission.

12. Age Restriction (18+)

You must be at least 18 years of age to use our services and participate in our SMS messaging program. By providing your information and opting in to receive SMS messages from Damian Garbiras, you confirm that you are at least 18 years old.

13. Changes to These Terms

We may revise these Terms & Conditions periodically to reflect changes to our services, website, legal requirements, or messaging practices.

The current version will be posted on this page with the applicable “Last Updated” date.

14. Contact Information

Questions regarding these Terms & Conditions or our messaging program may be directed to:

Damian Garbiras
Texana Bank
NMLS #149889

Phone: +1 865-999-0984
Email: [email protected]
Website: knoxlendinggroup.com
Business Address: 8805 Brookhaven Dr, Knoxville, TN 37931, United States