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 conventional lenders don't offer, 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, know where your file stands at every stage, and never wonder what's happening.
Complexity is our specialty
Multiple entities, RSU income, DSCR portfolios, foreign national programs, asset depletion — the files that make other lenders uncomfortable are the ones we handle best.
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 bring you the best structure — not just what one bank offers.
Alex Pinacho
PRINCIPAL LOAN ORIGINATORAlex Pinacho
PRINCIPAL LOAN ORIGINATOR · NMLS# 647053Alex entered banking in 2003 and spent the next two decades building expertise from the inside out — as a branch banker, licensed MLO, and branch manager. He became 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 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 he works best.
He's also been a real estate investor since 2008, when he purchased his first home in South Florida, and expanded into investment properties in 2011. 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's the difference between approval and denial.
25+ lenders, not one
A bank offers you their products. We shop the entire wholesale market — including non-QM specialists — and find the best structure for your specific situation.
Income counted correctly
We know how to document RSU income, bank statement deposits, DSCR cash flow, and asset depletion. Banks routinely miss or miscount these — we don't.
Same-day pre-qualification
Most files receive a pre-qualification the same day Alex reviews your application. You'll know where you stand before you waste time shopping for properties.
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 no dropped balls.
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 and expanding into GA, TX, NC, and SC. 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. We'll tell you honestly what's possible — and show you exactly how to get there. In English or Spanish.