Built for borrowers
whose income and assets do not fit a standard bank model.
GT Home Lending exists because the mortgage industry underserves its most sophisticated clients. We built a brokerage focused on scenarios that require more flexible programs and more precise structuring.
Precision lending for complex income.
The mortgage industry was built for W-2 employees with straightforward tax returns. That leaves out a significant portion of the most financially capable borrowers in America — business owners, investors, tech professionals, high-net-worth individuals whose income doesn't fit a conventional mold.
GT Home Lending was built specifically for them. We access programs that are not always available through conventional lending channels, structure income based on applicable lender guidelines, and deliver a client experience that matches the sophistication of the borrower.
Honesty before a sales pitch
We tell you what's possible before we recommend anything. If the timing isn't right or the numbers don't work, you'll hear that from us — not from an underwriter three weeks into the process.
Direct access, start to finish
You work with Alex — not a processor, not a call center. You'll have a direct line and proactive communication on where your file stands at every stage.
Complexity is our specialty
Multiple entities, RSU income, DSCR portfolios, foreign national programs, asset depletion — these are the file types we focus on.
Access to the right lenders
25+ wholesale lenders, including non-QM specialists that retail banks don't work with. We shop the market on your behalf and compare structures across lenders — not just what one bank offers.
Alex Pinacho
PRINCIPAL LOAN ORIGINATORAlex Pinacho
PRINCIPAL LOAN ORIGINATOR · NMLS# 647053After 17 years in banking — commercial lending, residential real estate, HELOCs, and business lines of credit — Alex launched as an independent licensed MLO in March 2020, spending the following years refining his non-QM specialization across the wholesale market before founding GT Home Lending (Pinnago Home Loans LLC) in May 2026 — built around a specific client he had spent years identifying: the sophisticated borrower whose income doesn't fit a checkbox.
Alex specializes in complex-income files: multiple entities, RSU income, DSCR portfolios, foreign earned income, business liabilities in personal names.
He's also an active real estate investor. He understands depreciation, 1031 exchanges, and portfolio strategy from the investor's seat — not the lender's clipboard. Every client gets his direct number and direct access from the first call to the closing table.
Alexis Agopian
Managing Partner · Co-FounderAlexis Agopian is co-founder and Managing Partner of GT Home Lending, responsible for the firm's business development, marketing, operations, and investor relations. He brings a builder's mindset to every function he touches — from brand strategy to client experience infrastructure to growth systems.
A native of Buenos Aires, Alexis holds a degree in Marketing and Advertising from Universidad Argentina de la Empresa. He relocated to Miami in 2013 and quickly became active in the South Florida real estate market — leading residential fix-and-flip projects and overseeing the acquisition and repositioning of multifamily assets from Class C to Class B.
That real estate background directly shapes how he approaches GT Home Lending's operations. He understands the investor's timeline, the cost of slow lending, and the complexity that comes with building a portfolio — and he's built the firm's client systems around that standard.
Alexis Agopian
MANAGING PARTNER · CO-FOUNDERThe broker difference.
Working with a mortgage broker isn't just different — for complex borrowers, it can meaningfully change which programs are available to you, subject to underwriting and lender approval.
25+ lenders, not one
A bank offers you their products. We shop the entire wholesale market — including non-QM specialists — and compare structures for your specific situation.
Income counted correctly
We know how to document RSU income, bank statement deposits, DSCR cash flow, and asset depletion. Different lenders may evaluate complex income differently — we review the complete financial profile to identify programs that may fit your circumstances.
Preliminary pre-qualification
Alex reviews your application and provides a preliminary assessment of your available mortgage options before you start shopping for properties. Timing varies by file.
One point of contact
You deal with Alex — start to finish. No processor handoffs, no account numbers, no call centers. Direct access means faster answers and proactive communication, documentation tracking, and consistent follow-up throughout the transaction.
Bilingual service
Every stage of the process — from strategy call to closing documents — can be conducted in English or Spanish. No interpreters, no confusion.
Local expertise, broader reach
Based in Miami, serving Florida with a primary focus on Miami-Dade, Broward, and Palm Beach counties. We know the South Florida market and bring that knowledge to every transaction.
Ready to talk to a lender
who gets it?
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.