Precision lending
for complex income.
Bank statement loans, DSCR, RSU income, asset depletion, jumbo, and foreign national programs — offered through third-party wholesale lenders and subject to eligibility, 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
Eligible DSCR programs primarily evaluate the property's qualifying rental income relative to its housing expense. Personal employment-income documents may not be required for income qualification, although borrower, entity, asset, credit and property documentation still apply.
Learn more →The High-Net-Worth Borrower
Significant assets, limited documented income. Asset depletion converts eligible assets into a calculated qualifying monthly income figure under the selected lender's guidelines.
Learn more →Every program.
One expert.
Access to 25+ wholesale lenders — including non-QM specialists most banks have never heard of.
Bank Statement
Eligible self-employed borrowers may qualify using lender-approved personal or business bank statements. Tax returns may not be required for income qualification under certain programs; documentation requirements vary by lender.
DSCR Loans
Eligible programs primarily evaluate the property's qualifying rental income relative to its housing expense, rather than personal income documentation.
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
Above the applicable conforming loan limit. 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
Timing varies by file. You'll receive a preliminary assessment of your available mortgage options based on the information and documentation provided.
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, with proactive communication and documentation tracking throughout.
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
Florida-licensed mortgage loan originator 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 →Built for complex files.
A structured approach to evaluating income, assets, and lender programs.
Complex-Income Experience
We evaluate self-employment income, rental-property cash flow, assets, equity compensation, and other documentation under applicable lender guidelines.
Broad Wholesale Access
Access to more than 25 wholesale lenders allows us to compare conventional, government, jumbo, and non-QM options.
Direct Communication
Borrowers work directly with Alex Pinacho throughout the mortgage process.
Scenario-Based Guidance
Recommendations are based on the borrower's financial profile, property, documentation, goals, and available lender programs.
Frequently Asked Questions
What types of mortgage programs does GT Home Lending offer?
GT Home Lending provides access to conventional, FHA, VA, USDA, jumbo, HELOC, construction, reverse mortgage, and non-QM options through third-party wholesale lenders, subject to borrower and property eligibility.
Who does GT Home Lending primarily serve?
We work with Florida homebuyers, homeowners, self-employed borrowers, real estate investors, high-net-worth borrowers, foreign national and ITIN borrowers, and clients with complex or non-traditional income.
Is GT Home Lending a lender or a mortgage broker?
GT Home Lending is the trade name of Pinnago Home Loans LLC, a Florida-licensed mortgage brokerage. We compare options available through third-party wholesale lenders rather than funding loans directly.
Where is GT Home Lending licensed to operate?
GT Home Lending currently provides residential mortgage brokerage services for Florida properties.
How do I get started?
You may schedule a strategy call, send a message, or complete the secure online application. Alex reviews the scenario and explains which documentation and lender programs may fit before the file proceeds to underwriting.
Ready to explore options
beyond the standard bank box?
Tell us about your situation. Alex will evaluate potential loan options based on your financial profile, property, documentation, and applicable lender guidelines. 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, Suite 200
Miami, FL 33150 · See map & hours on Contact@gthomelending
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