Precision lending
for complex income.
Bank statement loans, DSCR, RSU income, asset depletion, jumbo, and foreign national programs — for borrowers whose financial picture deserves a more sophisticated mortgage strategy.
Many lenders are built for simple files. We specialize in borrowers with layered income, complex assets, and situations that don't fit a standard template.
Your complexity
is our specialty.
Most lenders see a difficult file. We see a borrower whose financial picture may need a more specialized lending strategy.
The Business Owner
Your CPA minimizes taxes — so your 1040 doesn't reflect your real income. We qualify you on 12–24 months of deposits, not what you wrote off.
Learn more →The Tech Professional
Some lenders evaluate RSUs, bonus history, and investment income conservatively. We help structure those files so qualifying income is reviewed more completely under available lender guidelines.
Learn more →The Real Estate Investor
Qualify on the property's cash flow — not your personal income. No tax returns, no pay stubs. Scale your portfolio without financing roadblocks.
Learn more →The High-Net-Worth Borrower
Significant assets, limited documented income. Asset depletion converts your investment portfolio into qualifying monthly income — no W2 required.
Learn more →Every program.
One expert.
Access to 25+ wholesale lenders — including non-QM specialists most banks have never heard of.
Bank Statement
12 or 24 months of deposits. No tax returns. Ideal for self-employed borrowers with strong cash flow.
DSCR Loans
Qualify on the property's rental income. No personal income verification. Scale your portfolio.
RSU Income
Vesting equity counts. We document RSU income clearly so eligible borrowers can be evaluated more accurately.
Asset Depletion
Convert your investment portfolio or retirement accounts into qualifying monthly income.
Jumbo Loans
$650K and above. White-glove execution for high-value purchases and refinances.
Foreign National
Non-US citizens and international borrowers welcome. Foreign income and documentation handled with expertise.
Complex Conventional
Variable income, bonus history, foreign earned income, multiple income streams — we count what others miss.
Refinance
Rate and term, cash-out, DSCR refi to fund your next acquisition. We model every scenario.
From first call
to closed loan.
Four steps. Direct access to Alex. Proactive communication at every stage.
Strategy call
15 minutes. We understand your full financial picture before recommending a single product. No pitch, no pressure.
Pre-qualification
Same-day pre-qualification on most files. You'll know exactly where you stand and what's needed to move forward.
Loan structuring
We present 2–3 scenarios in plain language — rates, terms, costs. In English or Spanish. You choose what fits.
Close with confidence
White-glove execution from application to closing. You'll always know where your file stands.
Alex Pinacho
PRINCIPAL LOAN ORIGINATOR · NMLS# 647053Your mortgage architect.
Not a loan processor.
After 17 years in banking — commercial lending, residential real estate, HELOCs, and business lines of credit — I launched as an independent licensed MLO in 2020 and founded GT Home Lending in May 2026. One reason: sophisticated borrowers deserve a sophisticated lender.
I specialize in the files that make other lenders uncomfortable. Multiple entities, RSU income, DSCR portfolios, foreign earned income, business liabilities in personal names. That complexity is where I work best.
I'm also a real estate investor. I understand depreciation, 1031 exchanges, and portfolio strategy. When you work with me, you're not just getting a loan — you're getting a partner who thinks about your financial picture the way you do.
Built by people
who know the business.
Alex Pinacho
Licensed MLO since 2011. Independent MLO since 2020. Former banker with 17 years in commercial and residential real estate lending. Non-QM specialist in bank statement, DSCR, RSU, jumbo, and foreign national loans. Bilingual EN/ES.
View Profile →
Alexis Agopian
Business development, brand, operations, and investor relations. Real estate investor since 2013. Brings a borrower's perspective to everything we build.
View Profile →What our clients say.
Real borrowers. Real complexity. Real closings.
Reviews reflect individual client experiences. Results vary based on financial profile, loan program, and market conditions. Not a guarantee of loan approval or terms.
Ready to explore options
beyond the standard bank box?
Tell us about your situation. We'll tell you honestly what's possible — and show you exactly how to get there. In English or Spanish.
Start the conversation.
No pressure. No pitch. Tell us about your situation and we'll tell you honestly what's possible — in English or Spanish.
786.251.7525
Direct line to Alex1085 NW 62nd Street, Ste 200
Miami, FL 33150@gthomelending
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